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 when you buy international travel insurance online, particularly if you are travelling long haul. Let’s have a close look at the benefits and we recommend you to buy the best overseas travel insurance online and enjoy a hassle-free experience:
Want to know more? Read All benefits of International Travel Insurance Here
Buying cheap international travel insurance does not mean that you need to compromise on the coverage. A travel insurance policy is of no use if it does not secure you at the time of need. Therefore, when buying international travel insurance compare the quotes and coverage and make a wise choice.
Have a quick rundown of the things, which will not be included in your travel insurance policy:
Note: It is not the complete list of exclusions. For an exhaustive list, refer policy wordings.
Based on the frequency of travel, the travel insurance plan is broadly divided into two different categories:
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 and with this way, you can avail a cheap international travel policy before the start of every overseas trip.
Based on geographic locations, 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 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 is 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 travel insurance does not cover the Schengen countries.
Worldwide travel insurance excluding USA & Canada refers to a type of 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.
Based on the type of travellers, various travel insurance plans 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 offer 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 organize 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 an 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 daycare expenses, hospitalization expenses, cost of medical evacuation and repatriation of mortal remains.
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.
Schengen travel insurance and worldwide 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 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 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 to Max)||Pre-medical Test||Inclusions||Exclusions|
|Reliance General Travel Insurance||06 months to 70 years||Not Required||
|Religare Travel Insurance||Up to 70 years old||Not Required||
|Bharti AXA Travel Insurance||03 months to 60 years||Not Required||
|TATA AIG Travel Insurance||Up to 70 years||Not Required||
|HDFC ERGO General Travel Insurance||06 months to 70 years||For applicants above 70 years||
|Bajaj Allianz Travel Insurance||Up to 75 years||Not Required||
|Digit Travel Insurance||NA||Not Required||
|Royal Sundaram Travel Insurance||Up to 75 years of age||Not Required||
|Future Generali Travel Insurance||6 months to 70 years,71 to 80 years (senior citizens)||Not Required||
|SBI Travel Insurance||06 months to 70 years||Not Required||
You can avail best overseas international travel insurance from India. All you need to do is research, analyze and compare. With a few efforts and investing time, you get with the best international travel insurance in India.
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 buy international travel insurance online -
Every travel insurance company offers its customers a broad range of payment methods, which they can choose as per their convenience and requirement. You can easily renew your international travel insurance 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 travel insurance plan with optimum premiums so that you get the right protection while travelling abroad.
Fly safe and enjoy your vacations with the best overseas travel insurance from India.
|Travel Insurance for the USA||Travel Insurance for Canada||Travel Insurance for Germany|
|Travel Insurance for Malaysia||Travel Insurance for Singapore||Travel Insurance for Hong Kong|
|Travel Insurance for the UK||Travel Insurance for Japan||Travel Insurance for Thailand|
|Travel Insurance for Australia||Travel Insurance for UAE||Travel Insurance for Dubai|
|Travel Insurance for Sri Lanka|
The following are the benefits of buying international travel medical insurance:
1 Payment via debit card, credit card or net banking
In case of a cashless claim:
In case of reimbursement claim: