Accidental & sickness medical expenses
Baggage Delay/ Loss
Trip Delay / Cancellation
Passport Loss
Emergency Medical Evacuation
Missed flights
Medical expenses
Passport Loss
Study interruption
Bail Bond , Personal Liability
Trip Delay / Cancellation
Compassionate visit
No medical tests
Instant policy

International Travel Insurance

International Travel Insurance

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.

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 overseas travel insurance.

  • Emergency medical treatment and assistance: Overseas travel insurance provides cover in case of any medical assistance required while travelling. International 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

Inclusion & Exclusion in International Travel Insurance

International Travel Insurance Inclusion

  • Illness cover - If there is an event of unexpected illness, accidental injuries or death, then your international insurance will keep you protected overseas. It can be for any purpose, be it an international vacation, business trip, educational trip or a family trip
  • Loss of baggage, belongings and baggage cover - Full coverage in case you happen to lose or misplace your baggage after checking in
  • Trip cancellation and disruption cover -The major benefit that you get is that you have all the expenses covered, which are incurred due to a delay in trip from the airline’s end if it is exceeding 12 hours
  • Medical, accidental and financial emergency benefits - Loss or damage due to some natural calamities, medical expenses cover and also any financial problems arising from overseas employment. Personal inquiries or travel-related accidental cover during the trip. If you succumb to any sort of permanent disabilities from an accident during the travel or on flight, it will be covered. Financial coverage for unanticipated requirement of cash, due to theft or robbery
  • Flight delays/cancellation - If your connecting flight is delayed for more than 3 hours and you happen to miss it, then you would get a reimbursement
  • Passport loss cover - Loss of passport or important travel documents. Reimbursement of cost incurred from obtaining a fresh or duplicate passport is also covered
  • Third party cover - Compensation for a third party in case your involuntarily actions result in someone’s demise, cause someone injury or damage to health or property
  • Legal cover - Coverage from any legal liabilities during your travel are taken care off by your insurer
  • Repatriation cover - Medical expenses incurred due to emergent evacuation to India for immediate treatment. If the policyholder happens to be hospitalized for more than a week, and the family member who came to visit you overseas, had to rush back to home country, then you would get the expense covered for the return ticket of the same family member
  • Death cover - In case of a sudden demise, the expenses for cremation and transporting mortal remains are covered under it
  • Dental cover - Dental treatment due to an injury is reimbursed
  • Theft cover - Any loss or damage occurring from house burglary in your absence
  • Hijack risk cover - Hijack distress allowance in case it is for more than 12 hours
  • Compassionate visit - In case of hospitalization for an extended period, the cost of transportation and boarding of one family member of the insured will be covered
  • Trip delay - Any delay in commencement of trip due to unavoidable emergency such as hospitalization of a family member or occurrence of a natural calamity, etc.
  • Missed connection flight cover - In case connecting flight is missed due to delayed arrival of an inward flight in which the insured is travelling
  • Delay in baggage arrival - Reimbursement of expenses incurred due to delayed arrival of check-in baggage by the airline
  • Home burglary insurance - Compensation for the loss of valuables if the insured’s house is burgled during his international trip

Exclusions in International Travel Insurance

International Travel Insurance Exclusions

Have a quick rundown of the things which will not be included in your overseas insurance policy:

  • If your passport loss complaint goes unregistered with police authorities, then the damages or loss incurred won’t be covered.
  • You won’t be given medical cover, if, the pre-existing diseases were not disclosed/ declared before the commencement of the policy. Especially for those, who are above the age of 70 years
  • Expenses or any loss incurring from mental incapability, under depression or influence of alcohol or drugs, or any suicidal attempt. Also, venereal diseases and patients of HIV/AIDS are not given a cover
  • If your purpose for travelling for medical treatment abroad
  • Also, if you are travelling without the recommendation of your healthcare provider
  • If you are diagnosed with any life-threatening diseases before your travel
  • Casualties or damages due to war or nuclear threats in the concerned country

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

Types of International Travel Insurance Plans

On the basis of the frequency of travel, an international travel insurance plan is broadly divided into two types:

Single Trip Travel Insurance

A single trip travel insurance is a type of international travel insurance that covers the insured travellers for a single journey or trip. The validity of such policies culminates as soon as your overseas trip comes to an end. This type of international travel plan is available in different variants such as student travel insurance, senior citizen travel insurance,  family travel insurance, medical travel insurance, etc.

Multi-Trip Travel Insurance 

Multi-trip travel insurance is the second type of international travel insurance that covers the insured travellers for multiple trips spanning over a year. This type of travel insurance plan is meant for people who have to travel frequently. It helps to save the cost and efforts of buying a new international travel policy before the start of every overseas trip.

On the basis of geographic locations, international travel insurance can be divided broadly into four types:

Schengen Travel Insurance

Schengen travel insurance is custom-made travel insurance for people who are travelling to one or more than one Schengen states. Schengen states refer to 26 European countries that together make the Schengen area, which is the world’s largest free travel area. Schengen travel insurance is available for a sum insured of EUR 30,000 or above as it is compulsory to get travel insurance equivalent to this amount to obtain a Schengen visa.

Asia Travel Insurance

Asia travel insurance is a type of international travel insurance designed for people travelling to any of the Asian countries. This type of travel insurance is available for a lower sum insured amount due to comparative proximity to India.

Worldwide Overseas Travel Insurance (Including USA & Canada)

Worldwide travel insurance including USA & Canada is a type of international travel insurance which can be purchased by people travelling to any part of the world including the United States of America and Canada. In most cases, this type of travel insurance does not cover the Schengen countries.

Worldwide Overseas Travel Insurance (Excluding USA & Canada)

Worldwide travel insurance excluding USA & Canada refers to a type of international travel insurance made for people travelling to any country in the world except the USA & Canada. Most travel insurance companies do not Schengen countries under this type of travel insurance.

On the basis of the type of travellers, an international travel insurance plan are available in the following types:

Family Travel Insurance

Family travel insurance is a type of travel insurance policy meant for families who are travelling abroad together. All the insured members of the family can use the sum insured under this policy which is available in either individual or family floater basis. Most family travel insurance policies cover the policyholder, his spouse and up to two dependent children.

Student Travel Insurance

Student travel insurance is a type of travel insurance policy that has been specially designed for people travelling abroad to study in a foreign country. This type of travel insurance offers student-specific coverage such as study interruption, compassionate visit and sponsor protection. The validity of student travel insurance is generally for up to two years.

Senior Citizen Travel Insurance

Senior citizen travel insurance is a type of travel insurance policy that covers elderly people who are travelling overseas. Most insurance providers in India offers this type of policies to people above the age of 60 years.  

Group Travel Insurance

Group travel insurance is a type of travel insurance plan meant for large groups of people travelling abroad together. Most travel insurance providers offer this type of policy to a group of minimum 10 people. Such policies are usually opted by organizations and companies that organizes tours, pilgrimage trips, industrial and educational training,  etc.

Corporate Travel Insurance

Corporate travel insurance is a type of travel insurance policy that has been custom-made for corporate travellers. It covers the needs of a business traveller and usually comes with an extended validity of a year.

Medical Travel Insurance

Medical travel insurance is a travel insurance policy that covers people travelling abroad against all types of medical emergencies. Such policies cover medical expenses incurred in the treatment of an illness or an accident injury. Most medical travel insurance offers comprehensive coverage that includes daycare expenses, hospitalization expenses, cost of medical evacuation and repatriation of mortal remains.

Overseas Travel Insurance Coverage

Overseas Travel Insurance Coverage

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:

  • 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 countries on a leisure trip are covered under travel insurance.

Exclusions in International Travel Insurance

Benefits of Schengen Travel Insurance/ Worldwide Overseas Travel Insurance

Schengen travel insurance and worldwide overseas travel insurance policies come with their own set of advantages. Take a look at some of their benefits below:

Medical Benefits

You can get the following medical benefits under your Schengen/ worldwide overseas travel insurance:

  • Medical expenses, including emergency evacuation and repatriation of mortal remains
  • Dental treatment expenses
  • Personal accident cover
  • Accidental death & dismemberment
  • Daily cash allowance in case of hospitalization
  • Compassionate visit

Travel Benefits

Following are the travel benefits that you can avail under your Schengen/ worldwide overseas travel insurance:

  • Loss of check-in baggage
  • Delay of check-in baggage
  • Trip delay
  • Trip cancellation & curtailment
  • Flight delay
  • Missed connection flight
  • Hijack distress cover

Other Benefits

Other benefits that are also offered under your Schengen/ worldwide overseas travel insurance are:

  • Loss of passport
  • Loss of personal documents
  • Personal liability expenses
  • Home burglary insurance cover
  • Home fire insurance (contents) cover

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 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.

International Travel Insurance Eligibility

International Travel Insurance Eligibility Criteria

Before the issuance of the policy, the policy applier has to meet certain criteria’s as mentioned below:

  • Anyone who is 3 months - 60 years of age can be covered under the individual travel insurance policy
  • The age limit for a family member under the family policy is also similar as above, that is minimum 3 months and maximum 60 years
  • The policy gives a cover to a maximum of 4 dependent individuals ( who can be the insured person himself/herself, spouse, two children up to 21 years of age)
  • There are two types of family insurance plans for overseas travel - one provides cover to all the family members under the comprehensive sum insured, and in the other one the sum insured is divided amongst each member
  • Students between the age group of 16-40 years can buy the overseas insurance policy. It is required for them to be enrolled at the concerned university, from where they are pursuing higher education. Indian students, who are already studying at a university overseas, also qualify for the same
  • Senior citizens up to the age of 85 years can be covered without pre-medical screening under senior citizen travel insurance plan
  • For Schengen travel insurance, people up to the age of 70 years and infants above 3 months are eligible, only for business or vacation purposes

Buy International Travel Insurance

Compare & Buy Best International Travel Insurance Policies in India

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

  • Passport and baggage loss, flight delays/cancellation, hijack cover, etc.
  • $2 lakhs personal liability cover or up to 50% of the assured sum limit
  • $25,000 accidental cover or up to 10% of the assured sum limit
  • Claim for loss/damage cover for injuries due to professional sports activities like swimming, mountaineering, racing etc.
  • Damage or loss incurring from criminal activities
  • Damage or loss from nuclear or civil war
  • Damage while travelling in a unlicensed aircraft
  • Military, Air force, and Navy personnel cannot be covered under the policy

TATA AIG Travel Guard  Insurance Plan

People upto 70 years of age

N/A

  • Hospitalization Indemnity
  • Trip Delay/Baggage Delay/Checked Baggage Loss/ passport loss
  • Sudden death of the traveller or even dismemberment
  • Hijack cover
  • Medical/dental care expenses
  • Travelling against your healthcare providers’ advice
  • Pre-existing medical conditions
  • Travelling overseas for medical treatment
  • Suicidal attempt, HIV, AIDS, mental disabilities etc.
  • Damage or loss under conditions of nuclear attack, war, and also while performing dangerous sports activities

Royal Sundaram Overseas Travel Insurance

People upto 75 years of age

N/A

  • Overseas hospitalization cover, passport/visa/baggage loss, trip/flight delay or cancellation
  • Accidental death and dismemberment
  • Emergency cash requirement overseas
  • Repatriation expenses
  • Emergency dental care expenses
  • Pregnancy-related complications
  • Treatment cost of pre-existing illnesses
  • Non-allopathic treatment
  • Suicidal attempt due to psychiatric disorders, accident due to intoxication 

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

  • Overseas medical expenses/ emergency treatment
  • Dental treatment under emergency situations
  • Hospitalization/medical expenses
  • Personal accident cover
  • Trip cancellation or flight delays, passport loss or loss of  checked baggage
  • Inconvenience caused due to hijack
  • Suicidal attempt under the influence of alcohol, drugs or depression
  • Complications related to pregnancy conditions
  • Non-allopathic treatments

Religare explore International Travel Insurance

Anyone who is 3 months to 60 years old

N/A

  • Medical/dental emergencies
  • Personal accident cover/ fatal damages/ sudden demise of the traveller
  • Common carrier accidental death
  • Repatriation costs
  • Flight cancellation/ loss of passport/ travel documents/ checked baggage
  • Pregnancy complications/pre-existing illnesses
  • personal cosmetic surgeries apart from accident
  • Any loss/damage not reported within 24 hours of the event
  • Unchecked baggage
  • Accidents incurred due to life-threatening activities like hiking, skiing, mountaineering etc.

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

  • Flight delay/ trip cancellation/ loss of checked baggage
  • Cost incurred in acquiring duplicate passport if lost
  • Personal accident cover/ sudden demise or permanent dismemberment
  • Pre-existing medical conditions
  • Damage or loss incurred under the influence of alcohol, drugs or any other intoxicants
  • Self-destruction due to psychiatric disorders
  • Medical emergency/ complications due to pregnancy/ abortion etc.

IFFCO Tokio Overseas Travel Insurance Policy

N/A

Mandatory if you are 70 years or above. Else, it is not required

  • Overseas hospitalization/ medical expenses as well emergency dental treatment
  • Emergency cash requirement overseas
  • Loss of passport/visa/checked baggage
  • Personal accident/liability cover
  • Trip/flight cancelation/ delay
  • Pre-existing illnesses
  • Army, Navy or Air force  personnel cannot file a claim
  • Damages incurred due to war, attacks, terrorist activities etc.
  • Health hazards due to radioactive, ionizing acts etc.

How You Can Buy International Travel Insurance Premiums

How Can You Buy International Travel Insurance?

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 -

  • Simply visit the website of policy bazaar, go to their homepage and click on the travel icon
  • You will get a dropdown to fill the required details, basis which insurance plan you have selected - Individual plan or family plan, student travel insurance or group insurance plan
  • Follow the instructions and choose the required plan as per your requirements
  • Then submit your personal information, name, email address, date of birth and contact number

International Travel Insurance Renewal

Process to Renew 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 use to renew your international insurance policy online.

  • Instant renewal - It is quick and convenient option, you simply need to put in your policy details and authorize the payment with your bank account via internet banking, debit or credit card.
  • Easy Sign-up - You simply need to login to your customer account with your insurance company. Log in with your user name, enter password to access your policy updates and information. Once you are done, you need to authorize payment with the selected payment method.

Travel Insurance Comparison Portal

What Makes PolicyBazaar a Preferred Insurance Comparison Portal?

Enter basic details about your trip and get a custom comparison of prices and available insurance options. Helping business and leisure travellers alike in solving travel related glitches, PolicyBazaar’s global reach and proven operational abilities allow travellers 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 the right protection while travelling.

5 Reasons Why You Should Rely on Our Services-

  • Check Premium Rate Instantly - By using PolicyBazaar, you can instantly get premium rates from a wide range of available insurance companies in India. You don’t have to visit the official websites of different travel insurances providers to check the premium rates offered by each one of them. This helps you save a lot of time and efforts.
  • Compare Different International Travel Insurance Plans - PolicyBazaar allows you to compare the various international travel insurance plans offered by different insurance companies at one place. You can easily check the degree of coverage offered by various international travel insurance plans and compare their premium rates. This helps you to find an international travel insurance plan that offers maximum coverage in minimum premium cost.
  • Get Unbiased Comparison - PolicyBazaar strives to provide all prospective travellers with a fair comparison of different international travel insurance plans. Our comparison results are unbiased and absolutely impartial. We give you a clear picture of actual coverage and the premium rates so that you can make an informed decision when buying an international travel insurance plan.  
  • Get Information for Free - Another benefit of using PolicyBazaar is that you get all information related to different international travel insurance policies absolutely free of cost. You don’t have to pay a penny to access any information and can obtain it from within the comforts of your house.  
  • Buy International Travel Insurance Policy Instantly - PolicyBazaar not only allows you to check and compare the intricacies of various international travel insurance plans but also lets you buy an international travel insurance policy. You don’t have to visit the website of the insurance providers separately but can instead fill up proposal form and pay your insurance premium at PolicyBazaar.

Fly safe and Enjoy your Vacation with International/Overseas Travel Insurance

Written By: PolicyBazaar - Updated: 08 November 2019
Q:

Should I buy travel insurance before booking a flight?

Ans:

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.

Q:

What is insurance for old people?

Ans:

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.

Q:

What is the best travel insurance for international travel?

Ans:

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:

Tata AIG Travel Insurance

Bajaj Allianz Travel Insurance

Reliance Travel Insurance

Apollo Munich Travel Insurance

Bharti AXA Travel Insurance

Q:

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.

Q:

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.

Q:

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.

Q:

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.

Q:

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.

Q:

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.

Q:

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.

Q:

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.

Q:

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.

Q:

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.

Q:

Why do I need travel insurance policy?

Ans:

It is important to get an international travel insurance policy for your trip because it protects you and your insured family members against any unforeseen emergency that may require medical and financial assistance. It allows you to travel carefree and ensures that nothing obstructs your travel plans. Moreover, many countries have made it compulsory for foreigners to possess an international travel insurance policy to get a visa for that country.

Q:

Do you need travel insurance for international flights?

Ans:

There is no compulsion towards buying a travel insurance policy for international flights. However, it is recommended to all travellers to buy international travel insurance before their date of departure from India. This is because a travel insurance policy will keep them protected against any flight-related emergencies including delay or loss of check-in baggage, flight hijack, trip cancellation & curtailment, flight delay, trip delay and missed connection flight.

Q:

Can you buy travel insurance after booking a flight?

Ans:

Yes. Many insurance providers allow you to buy international travel insurance after booking your flight. However, make sure that you buy it before you commence your overseas trip from India.

Q:

Is it worth to get travel insurance?

Ans:

Buying international travel insurance is one of the best pre-trip decisions that you can take to ensure a smooth trip for yourself. Travel insurance acts as a safety shield that guards you against any eventualities that you may face during your trip. It not only covers any unforeseen emergency expenses that you may incur during your trip but also provides any assistance required. Also, it also helps you obtain the visa for your destination country as it is compulsory to get one in many countries across the globe.

Q:

Is travel insurance a good idea?

Ans:

It is a wonderful idea to buy international travel insurance ahead of your journey as it will keep you prepared and protected against any adversities that you may encounter during your trip. It will also prevent your trip from getting interrupted due to an emergency and help you enjoy every moment of your trip. Besides you cannot obtain a visa for the country you want to visit without travel insurance if its a mandatory requirement as per the laws of that country.

Q:

What does international travel insurance cover?

Ans:

International travel insurance covers a variety of risks that an insured traveller may come across during their overseas trip. Some of these risks are medical expenses, dental expenses, trip delay, personal accident, trip cancellation & curtailment, medical evacuation, missed connection flight, delay or loss of check-in baggage, flight delay, repatriation of mortal remains, loss of passport, personal liability, emergency financial assistance, flight hijack, daily hospital cash and many more.

Q:

When should you purchase travel insurance?

Ans:

You can buy international travel insurance anytime before you commence your overseas trip from India. But since travel insurance is a mandatory pre-requisite to obtaining a visa for some countries, you should purchase the travel insurance policy before you apply for the visa for your destination country.

Q:

Can you buy travel insurance after starting the trip?

Ans:

No. You cannot buy travel insurance after starting your overseas trip from India.

Q:

Can you fly without travel insurance?

Ans:

Yes. You can fly overseas without travel insurance. However, you will not be allowed to enter the country where it is mandatory for all foreign nationals to possess an international travel insurance policy.

Q:

Does my health insurance cover international travel?

Ans:

Most domestic health insurance policies do not cover any medical expenses incurred during your international trip. You need to check with your health insurer if they provide coverage during your overseas trip. However, it is wiser to purchase international travel insurance to stay covered for any medical expenses that you may incur during your trip abroad.

Q:

Can I get travel insurance if I’m already overseas?

Ans:

No. You cannot buy an international travel insurance policy if you have already started your trip and reached overseas. However, you can check individual travel insurers to know if they have such provisions.

Q:

How soon before a trip can you buy travel insurance?

Ans:

Many insurance companies allow people to buy international travel insurance at least 18 months before their scheduled date of travel. However, you should check with the insurance company to know exactly how early can you buy a travel insurance policy.

Q:

Should I buy travel insurance when booking a flight?

Ans:

Yes. You can buy international travel insurance at the time of booking your flight tickets.

Q:

Is travel insurance a one time payment?

Ans:

Yes. The premium for an international travel insurance policy has to be paid only once at the time of purchasing the policy. You will not get an option of part payment or monthly instalments when it comes to making premium payment of travel insurance.

Q:

Can I buy travel insurance on the day of travel?

Ans:

No. You cannot buy travel insurance on the day of your travel from India. You need to purchase international travel insurance at least a day before your scheduled date of departure.

Q:

How long does travel insurance take to process?

Ans:

All international travel insurance are immediately processed. You can receive your policy document within hours of submitting your travel insurance form and making the premium payment.

Q:

Why should I buy travel insurance?

Ans:

Buying international travel insurance offer a lot of benefits to the insured travellers. Take a look at the various benefits offered by international travel insurance:

1. Emergency medical treatment and assistance

2. Cover for trip cancellation & curtailment

3. Baggage loss cover

4. Coverage against personal liability

5. Protection against loss of important documents

6. Daily hospital cash allowance

7. Ensures repatriation of mortal remains

8. Hijack distress allowance

9. Personal accident cover

10. Emergency financial assistance

Q:

How late can you purchase travel insurance?

Ans:

You can buy travel insurance not later than the day before your scheduled date of departure from India.

Q:

Does travel insurance cover airfare?

Ans:

Yes. An international travel insurance policy covers the cost of airfare in case an emergency or eventuality leads to delay, cancellation or curtailment of your trip. It also compensates the cost of airfare if you end up buying tickets for another flight due to delay in inward flight arrival and missed connection flights.

Q:

Does travel insurance cover not getting a visa?

Ans:

No. As of now, none of the insurance companies in India covers denial of a visa as a covered reason under international travel insurance.

Q:

Does travel insurance cover trip cancellation?

Ans:

Yes. Almost all international travel insurance policies offer coverage against trip cancellation due to any unavoidable reason or emergency.

Q:

Is travel insurance mandatory?

Ans:

No, it is not mandatory to buy travel insurance for your international trip. However, many countries like the Schengen states, Australia and Cuba have made it compulsory to possess a valid international travel insurance/ medical travel insurance to enter their borders.

Q:

Which countries accept/ recognise international travel insurance policies?

Ans:

All countries around the world accept/ recognise international travel insurance policies purchased by reputed insurance companies in India.

Q:

Can I buy travel insurance if I am going on a work permit abroad?

Ans:

Yes. Many insurance companies offer international travel insurance if you are travelling overseas on a work visa. However, you should check with your insurer if they cover people travelling abroad for work or not.

Q:

Can I buy travel insurance if I have an immigration visa?

Ans:

Yes. Most insurance providers allow people to buy international travel insurance even if you have an immigration visa. You only need to confirm with your travel insurer if they offer one-way travel or not.

Q:

What is an Emergency Assistance Service provider/ Third Party Administrator?

Ans:

An Emergency Assistance Service provider/ Third Party Administrator is a third party company that offers services and assistance to the insured travellers overseas on behalf of their travel insurers. Many emergency assistance providers also settle claims on behalf of the travel insurance company.

Q:

Can I be issued more than one travel insurance policy for the same trip?

Ans:

No. Each traveller can be issued only one international travel insurance for a single overseas trip.

Q:

Is it mandatory for me to be in India at the time of buying travel insurance?

Ans:

Yes. It is mandatory for all travellers to be in India at the time of buying an international travel insurance policy.

Q:

What paperwork is required to buy international travel insurance?

Ans:

No paperwork is required to buy international travel insurance in India. You can apply for the insurance online and get a soft copy of your policy document on your email.

Q:

How can I cancel my travel insurance policy?

Ans:

You can cancel your international travel insurance by providing policy information, a letter stating the reason for cancellation as well as a photocopy of the passport. You may also have to pay the cancellation charges.

Q:

Will I get a refund if I cancel my policy?

Ans:

You will be entitled to get a refund if you cancel your international travel insurance policy. You will get –

1. Full refund if you cancel the policy before the start date of risk period

2. Partial refund deducting the cancellation charges if cancelled after the policy risk start date

3. Remaining premium amount minus the cancellation charges if the policy is cancelled after the risk start date and post your international travel

Q:

How many times can I extend my international travel insurance policy?

Ans:

Usually, a travel insurance policy can be extended once before the end of the policy tenure. However, the exact number of times that you can extend your policy depends on your insurance company and you should confirm with your travel insurer.

Q:

If I return back to India earlier than scheduled, will I get a partial refund?

Ans:

Yes, you will get a partial refund if you return back to India earlier than scheduled. You will get the remaining amount of your premium after deducting the cancellation charges.

Q:

What is the maximum days for which I can take a travel insurance policy?

Ans:

Most insurance providers allow travellers to buy an international travel insurance policy for a maximum of 180 days. However, the number of days can vary from one insurance provider to another. It also depends on the type of international travel insurance policy you want to purchase. You can check with your travel insurer to know the exact number of days for which you can buy an international travel insurance policy.

Q:

How am I covered if I meet with an accident and get injured abroad?

Ans:

In case you meet with an accident during your overseas trip and get injured or suffer a loss, you will be covered up to your sum insured amount by your travel insurance policy. All your medical expenses including hospitalization expenses and pharmacy bills will be covered by your travel insurer. If there is a need to shift you to another hospital, the ambulance expenses will be covered by your insurer. If unfortunately, you suffer from total permanent disability or die as a result of the accident, you or your family will be adequately compensated for the loss by your insurance company. Moreover, your insurer will also cover cremation expenses abroad and also repatriate the mortal remains back to India.

Q:

Can I extend my international travel insurance policy?

Ans:

Yes, you can extend your international travel insurance up to the maximum number of days allowed under your policy tenure.

Q:

What kinds of risks are covered under an international travel insurance policy?

Ans:

An international travel insurance policy covers the following kinds of risks:

1. Medical risks– Medical expenses, emergency evacuation, repatriation of mortal remains, dental treatment expenses, personal accident, accidental death & dismemberment, daily hospital cash, compassionate visit, etc.

2. Travel risks– Loss of check-in baggage, delay of check-in baggage, trip delay, trip cancellation & curtailment, flight delay, missed connection flight, flight hijack, etc.

3. Other risks– Loss of passport, loss of personal documents, personal liability, home fire, home burglary, etc.

Q:

What benefit will I get from travel insurance in case of a medical emergency?

Ans:

In case of a medical emergency, your travel insurer will arrange for your medical evacuation to a hospital and cover all your medical expenses including hospitalization expenses. You will be provided with compensation if you suffer any loss or total permanent disability due to the accidental injury. In case of death, your mortal remains will be sent back to India and your family will also be compensated by the insurance company.

Q:

What if I meet with an accident while gliding or scuba diving?

Ans:

Most insurance companies in India do not cover injuries arising out of adventure sports activities unless you purchase additional cover for adventure sports. It is best to confirm with your travel insurance how you can be covered against an injury caused due to participation in adventure activities.

Q:

Will I be covered if I get injured while playing a sport like golf or cricket for leisure?

Ans:

If you get injured while playing a sport as leisure and not as an official sporting competition, you will be covered under the personal accident cover of your international travel insurance.

Q:

Does international travel insurance cover cost of dental treatment?

Ans:

Yes. The cost of your dental treatment incurred during your trip abroad will be covered by your international travel insurance.

Q:

How will my travel insurance policy help me if I lose my passport?

Ans:

 If you lose your passport during your overseas trip, the actual cost of obtaining a duplicate or new passport will be covered by your travel insurance company. But your insurer will not cover the expenses if your passport has been –

1. confiscated by the customs or police authorities

2. left unattended in a public place

3. stolen but you haven’t lodged a police complaint within the first 24 hours of the occurrence of the event

Q:

How will my passport help me if my check-in baggage doesn’t clear on time?

Ans:

If your check-in baggage doesn’t clear on time and is delayed for then 12 hours, you will be entitled to reimbursement by your travel insurance company. Any expenses that you incur on necessary items of personal needs such as clothes, medicines, toiletries, etc will be reimbursed by your insurer.

Q:

Will I be covered if I lose my handbag while travelling with an airline?

Ans:

No. In case you lose your handbag or any of the hand baggage, you will not be covered by your travel insurance provider.

Q:

What if I get injured while travelling on a ship or train overseas?

Ans:

If you get injured while travelling on a ship or train during your overseas trip, you will be covered under the accidental death & dismemberment by common carrier cover. This cover includes accidental injuries or loss caused while travelling in any of the common carriers i.e. any means of public transport.

Q:

What will happen if I hire a car abroad and meet with an accident while driving?

Ans:

If you meet with an accident abroad while driving a hired car, you will be covered under the personal liability cover. In case you cause accidental damage or injury to a third party property or person, your legal liabilities will be covered by your insurance provider. In case you also sustain injuries during the accident, all your medical expenses will be covered by your international travel insurance policy.

Q:

What if I fall sick and need hospitalization during my international trip?

Ans:

 In case of a sudden illness during your overseas trip, you will be able to avail cashless treatment facility if you are hospitalized in a network hospital of your insurer. Your insurance provider will cover all your medical expenses including hospitalization expenses, daycare expenses, cost of medicines, etc. It will also provide you with daily hospitalization cash if you are hospitalized for more than a certain number of days.

Q:

In case I am short of cash, can I avail financial emergency cash assistance?

Ans:

No. Financial emergency cash assistance can be availed only if you have been robbed off your belongings. No financial assistance will be provided if you overspend on the trip and are short of cash.

Q:

Will my insurance policy be of any help if my flight gets hijacked?

Ans:

Yes. You will be entitled to a hijack distress allowance as compensation if your flight gets hijacked for more than 12 hours.

Q:

What will happen if my flight is delayed?

Ans:

In case your flight is delayed for more than 12 hours than the scheduled time, you will receive a reimbursement for the loss or additional expenses incurred.

Q:

Will I be covered if there is a robbery at my house in India during my overseas trip?

Ans:

If you opt for the home burglary insurance cover, you will be compensated for any loss of valuables incurred due to burglary at your house back in India.

Q:

Is pregnancy or any illness arising out of pregnancy covered?

Ans:

No. Most insurance companies in India do not cover pregnancy-related expenses or treatment cost of any illness arising due to pregnancy.

Q:

If I get injured on the last day of the trip, will my international travel insurance policy get extended?

Ans:

Yes. In case you sustain an injury on the last day of your overseas trip and get hospitalized to receive treatment, your international travel insurance policy will automatically get extended for another 30 days. This extension is possible only if flying back to India is not possible and the same has been conveyed to the emergency assistance provider at the earliest.

Q:

What if an injury sustained abroad leads to the death of the insured traveller?

Ans:

If the insured sustains an injury during his overseas trip and dies after getting back to India, his travel insurance company will compensate his family only if the death occurs within 12 months of getting back to India.

Q:

Are there any exclusions in an international travel insurance policy?

Ans:

 Yes, certain conditions or expenses are not included in an international travel insurance policy. Take a look at when the expenses are not covered under the policy:

1. If no police complaint after 24 hours of the loss of passport

2. Treatment expenses incurred on pre-existing diseases

3. Treatment expenses arising due to mental disorders, depression, alcohol or drugs influence, venereal diseases, HIV AIDS, etc.

4. Treatment expenses on suicide or attempt to suicide

5. If travelling overseas to receive medical treatment

6. If travelling against the suggestion of your doctor or healthcare provider

7. Treatment of injuries caused due to war or acts of war or nuclear explosion

8. There can be other exclusions depending on the insurance provider. You should verify the exclusions that are not covered under your travel insurance plan.

Q:

Can I extend my existing international travel insurance to cover my domestic travel?

Ans:

No. International travel insurance cannot be extended to cover any trip within India. You will have to purchase a domestic travel insurance plan to cover your domestic travel.

Q:

Will my travel insurance policy over passport loss in India?

Ans:

No. Your international travel insurance policy will not be cover any expenses of obtaining a new passport if you lose your passport in India.

Q:

How can I pay the premium for my international travel insurance?

Ans:

There are several modes of paying the premium for international travel insurance. Some of the most common modes of payment offered by insurance companies in India are –

1. Payment via debit card, credit card or net banking

2. Payment at a branch of an international travel insurance

3. Free pickup of cheque

4. IVR payment

Q:

How do I decide the extent of coverage I would need for my overseas travel?

Ans:

You should decide the scope or extent of your international travel insurance policy on the basis of your financial needs. It is important to consider the duration of the trip, age of travellers, number of travellers and the destination of travel before deciding the sum insured for your travel insurance policy.

Q:

How much premium will I have to pay if I extend my travel insurance?

Ans:

The amount of premium that you will have to pay for your international travel insurance depends on factors such as age & the number of travellers, your travel destination as well as the duration of the extended trip.

Q:

Will I get any discount at the time of premium payment?

Ans:

No. You will not get any discounts at the time of payment of premium.

Q:

How do I file a claim in case of an emergency abroad?

Ans:

 In order to register a claim during an emergency abroad, you can follow the steps given below:

1. In case of a cashless claim:

2. Intimate the Emergency Assistance provider about the eventuality

3. Request pre-authorization letter from the insurer

4. The insurer will send the pre-authorization after verifying the claim

5. Receive treatment for your injury/ illness

6. Get discharged from the hospital

7. The hospital bills will be settled directly by the insurance company

In case of reimbursement claim:

1. Inform the Emergency Assistance Provider regarding the eventuality at the earliest

2. Arrange all the supporting documents required

3. Submit the supporting documents

4. The reimbursement amount will be credited into your bank account/ by cheque if the claim is approved

Q:

In case of an accident abroad, does the claim have to file within a specific time frame?

Ans:

No. There is no specified time frame to file a claim after an accident occurs abroad. However, the Emergency Assistance Provider should be informed and the claim should be registered by the insured traveller at the earliest.

Q:

Do I need to pay the doctor or healthcare provider after receiving the treatment abroad?

Ans:

In case you were hospitalized at a network hospital of your insurer, you will not have to pay any medical bills as it will be settled directly by the insurance company. But if you are were hospitalized in a non-network hospital, you will have to pay the bills at the hospital. You can claim the amount paid at the hospital by filing for a reimbursement claim.

Q:

How long does it take to settle a claim?

Ans:

The time taken to settle a claim varies from one insurance provider to another. You should consult your insurance provider to know exactly how much time will it take to settle a claim.

Q:

Does international travel insurance cover pre-existing diseases?

Ans:

No. An international travel insurance policy does not cover treatment for any pre-existing diseases.

Q:

What if the insured is unable to return on or before policy expiry due to hospitalization?

Ans:

 In case the insured traveller is unable to return to India on or before the expiry of his policy due to hospitalization, his international travel insurance policy will be extended to up to 30 days. Don’t forget to inform the Emergency Assistance Provider regarding your hospitalization and that you are unfit to travel back to India.

Q:

What should I do in case of dental treatment abroad?

Ans:

In case you have to take a dental treatment during your overseas trip, follow the steps given below:

1. Visit the dentist and receive the treatment

2. Pay the bills after receiving the treatment

3. Register a claim with the insurance provider

4. Submit all the supporting documents along with all the payment receipts

5. Receive the reimbursement amount in your bank account/ by cheque

Q:

Can I file a travel insurance claim after getting back to India?

Ans:

Yes. You can register a travel insurance claim within 30 days of getting back to India or date of policy expiry. Nonetheless, all insured travellers are recommended to register an insurance claim with the insurer as soon as possible.

Q:

Will I get reimbursements in local currency or in Indian rupees?

Ans:

The reimbursement amount for all claims are generally paid in Indian rupees. In the case of claims related to emergency financial assistance, the amount will be paid in the local currency of the country, which the insured is visiting.

Q:

Will I receive the reimbursement amount in the bank account or by cheque?

Ans:

The mode of reimbursement payment may be different for different insurance providers. You should contact your insurer to know whether the reimbursement amount will be paid by cheque or directly in your bank account.

Q:

Whom do I contact in case of an emergency during my overseas trip?

Ans:

In case of an emergency abroad, immediately contact the Emergency Assistance Provider of your insurance provider and inform them about the incident.

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