International travel insurance is a type of insurance policy that offers coverage against medical expenses, trip cancellation, trip delay, and more. Overseas travel insurance takes care of all these mishaps during your foreign trip.
International travel insurance companies 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 travel insurance policy:
Note: It is not the complete list of exclusions. For an exhaustive list, refer policy wordings.
On the basis of the frequency of travel, an international travel insurance plan is broadly divided into two different categories:
A single trip travel insurance is a type of 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 is the second type of 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 is custom-made travel insurance for people who are travelling to one or more than one Schengen states. Schengen states refers 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 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 travel insurance including USA & Canada is a type of 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 overseas travel insurance does not cover the Schengen countries.
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 cover 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 is a type of 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 is a type of insurance 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 covers elderly people who are travelling overseas. Most travel insurance companies in India offers this type of policies to people above the age of 60 years.
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 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 covers insured person 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 international medical travel insurance offers comprehensive coverage that includes day care expenses, hospitalization expenses, cost of medical evacuation and repatriation of mortal remains.
Overseas Travel Insurance Coverage
Usually, overseas travel insurance policy is taken at the time of flight booking of a trip. It covers individual risks such as medical protection, financial coverage or any other loss. Travel insurance offers below coverages:
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:
You can get the following medical benefits under your Schengen/ worldwide overseas travel insurance:
Following are the travel benefits that you can avail under your Schengen/ worldwide overseas travel insurance:
Other benefits that are also offered under your Schengen/ worldwide overseas travel insurance are:
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 policyholder has to meet certain criteria which are mentioned below:
Overseas Travel Insurance Companies
Entry Age (Min-Max)
What’s Not Covered?
Reliance International Travel Insurance Plan
Anyone who is 6 months- 70 years old
TATA AIG Travel Guard Insurance Plan
People upto 70 years of age
Royal Sundaram Overseas Travel Insurance
People upto 75 years of age
HDFC ERGO Health Overseas Travel Insurance (formerly known as Apollo MunichOverseas Travel Insurance)
Anyone who is 6 months to 70 years old
Only if you are 70 years or above, otherwise it’s not necessary
Religare explore International Travel Insurance
Anyone who is 3 months to 60 years old
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
IFFCO Tokio Overseas Travel Insurance Policy
Mandatory if you are 70 years or above. Else, it is not required
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 travel 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.
Enter basic details about your trip and get a custom comparison of prices and available online travel 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 abroard.
Fly safe and enjoy your vacations with International/Overseas Travel Insurance
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Should I buy travel insurance before booking a flight for aborad?
You can buy travel insurance policy at anytime, even if you haven’t booked your flight bookings. However, buying as soon as possible after paying for your tickets is recommended to cover your trip against unforeseen happenings between your flight bookings and departure date & many more.
What is travel 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:
What is the best travel insurance for travelling abroad?
If an international trip is in your card, don’t forget to insure it with a best international 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:
1. Tata AIG Travel Insurance
2. Bajaj Allianz Travel Insurance
3. Reliance Travel Insurance
4. Apollo Munich Travel Insurance
5. Bharti AXA 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 mentioned in your travel insurance policy document. They will assist you with a required list of network 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 an 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 travel insurance 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 overseas travel insurance 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.
Why do I need travel insurance policy?
It is important to get an international travel insurance policy for your foreign 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.
Do you need travel insurance for international flights?
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.
Can you buy travel insurance after booking a flight?
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.
Is it worth to get travel insurance?
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.
What does international travel insurance policy cover?
International travel insurance policy 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.
Does my health insurance cover international travel?
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.
Can I get travel insurance if I’m already overseas?
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.
Is travel insurance a one time payment?
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.
Can I buy travel insurance on the day of travel?
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.
How long does travel insurance take to process?
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.
Does travel insurance cover airfare?
Yes. An international travel insurance policy covers the cost of airfare in case of an emergency or eventuality leads to flight delay, flight 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.
Does travel insurance cover trip cancellation?
Yes. Almost all international travel insurance policies offer coverage against trip cancellation due to any unavoidable reason or emergency.
Can I buy travel insurance if I am going on a work permit abroad?
Yes. Many insurance companies offer international travel insurance if you are travelling abroad on a work visa. However, you should check with your insurer if they cover people travelling abroad for work or not.
Can I buy travel insurance if I have an immigration visa?
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.
What is an Emergency Assistance Service provider/ Third Party Administrator?
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.
Can I be issued more than one travel insurance policy for the same trip?
No. Each traveller can be issued only one international travel insurance for a single overseas trip.
Is it mandatory for me to be in India at the time of buying travel insurance?
Yes. It is mandatory for all travellers to be in India at the time of buying an international travel insurance policy.
Which documents is required to buy international travel insurance?
No documents is required to buy international travel insurance policy in India. You can apply for the insurance online and get a soft copy of your policy document on your email.
How can I cancel my travel insurance policy?
You can cancel your travel insurance policy 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.
Will I get a refund if I cancel my policy?
You will be entitled to get a refund if you cancel your 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
How many times can I extend my international travel insurance policy?
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 insurers.
If I return back to India earlier than scheduled, will I get a partial refund?
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.
How am I covered if I meet with an accident and get injured abroad?
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 medical 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.
Can I extend my international travel insurance policy?
Yes, you can extend your international travel insurance up to the maximum number of days allowed under your policy tenure.
What if I meet with an accident while gliding or scuba diving?
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.
Will I be covered if I get injured while playing a sport like golf or cricket for leisure?
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.
Does international travel insurance cover cost of dental treatment?
Yes. The cost of your dental treatment incurred during your trip abroad will be covered by your international travel insurance.
How will my travel insurance policy help me if I lose my passport?
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
How will my passport help me if my check-in baggage doesn’t clear on time?
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.
Will I be covered if I lose my handbag while travelling with an airline?
No. In case you lose your handbag or any of the hand baggage, you will not be covered by your travel insurance provider.
What if I get injured while travelling on a ship or train overseas?
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.
In case I am short of cash, can I avail financial emergency cash assistance?
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.
Will my insurance policy be of any help if my flight gets hijacked?
Yes. You will be entitled to a hijack distress allowance as compensation if your flight gets hijacked for more than 12 hours.
Will I be covered if there is a robbery at my house in India during my overseas trip?
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.
Is pregnancy or any illness arising out of pregnancy covered?
No. Most insurance companies in India do not cover pregnancy-related expenses or treatment cost of any illness arising due to pregnancy.
If I get injured on the last day of the trip, will my international travel insurance policy get extended?
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.
What if an injury sustained abroad leads to the death of the insured traveller?
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.
Are there any exclusions in an international travel insurance policy?
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.
Can I extend my existing international travel insurance to cover my domestic travel?
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.
How can I pay the premium for my international travel insurance?
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
How do I decide the extent of coverage I would need for my overseas travel?
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.
How much premium will I have to pay if I extend my travel insurance?
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.
Will I get any discount at the time of premium payment?
No. You will not get any discounts at the time of payment of premium.
How do I file a claim in case of an emergency abroad?
In order to register a claim during an emergency abroad, you can follow the steps given below:
In case of a cashless claim:
1. Intimate the Emergency Assistance provider about the eventuality
2. Request pre-authorization letter from the insurer
3. The insurer will send the pre-authorization after verifying the claim
4. Receive treatment for your injury/ illness
5. Get discharged from the hospital
6. 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
How long does it take to settle a claim?
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.
Does international travel insurance cover pre-existing diseases?
No. An international travel insurance policy does not cover treatment for any pre-existing diseases.
What should I do in case of dental treatment abroad?
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
Can I file a travel insurance claim after getting back to India?
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.
Will I get reimbursements in local currency or in Indian rupees?
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.
Will I receive the reimbursement amount in the bank account or by cheque?
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.
Whom do I contact in case of an emergency during my overseas trip?
In case of an emergency abroad, immediately contact the Emergency Assistance Provider of your insurance provider and inform them about the incident.
How much does international travel insurance cost?
International travel insurance offers several benefits during an overseas trip. Thus, international travel insurance often cost you somewhere between Rs 500 to Rs 2000, depending on the trip benefits that you opt for. The actual cost may vary on factor such as your age, sum insured, trip cost, etc.
What credit cards have travel insurance?
Several credit cards offer free travel insurance. Following are some of the best credit cards offering free travel insurance:
1. IndusInd Bank Platinum Credit Card
2. IndusInd Bank Platinum Aura Credit Card
3. Axis Bank Privilege Credit Card
4. Axis Bank Vistara Signature Credit Card
5. Axis Bank Miles & More World Credit Card
6. HDFC Bank Regalia Credit Card
7. Standard Chartered Visa Infinite Credit Card
What are the charges for policy cancellation?
If you cancel your policy within the free look period of the first 15 days, you won’t be charged any cancellation fee. But if you cancel your policy after the free-look period, you will be charged a cancellation fee, which varies from one insurance company to another. The premium amount minus your cancellation charge will be refunded to you, provided no claims have been raised.