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Travel Insurance

Enjoy a business trip or a family holiday in the complete sense with travel insurance. A travel plan gives you the peace of mind knowing that you and your family members are fully covered in case of a medical emergency or loss of luggage during a trip. Medical expenses can be unexpectedly high when one is travelling abroad and can cause unnecessary expenditure. Why spend the money you planned to use on leisure be used on medical costs? Choose a comprehensive travel insurance plan and enjoy your trip in the true sense.

Inexpensive travel insurance is now just a click away. Tell us what you're looking for and we will gather travel insurance quotes from some of the top travel insurance companies for you. You can compare the quotes and decide on the policy that suits you best. Travel insurance rates can be checked for single trip or multi-trip worldwide. Get an affordable travel insurance policy now especially if you are a frequent flyer.

What is Travel Insurance?

How often do you travel? Are you a globetrotter? Do you keep one bag eternally packed with your basic necessities because you might have to travel at any time? Are your business trips are unplanned and come without much warning?

Have you ever been faced with any of the following:

  • Misplaced baggage?
  • Stolen passport?
  • Missed connecting flight because the previous one was delayed?
  • Admittance in hospital while holidaying in Dubai?
  • Fatal accident of a colleague during your business trip in London?
  • Cancelled trip due to bad weather and loss of flight and hotel reservation?

Travel Insurance is the solution to all these problems. Travel Insurance means insuring the risks of having a financial loss or a medical emergency while travelling. Travel Insurance can be temporarily purchased for a single trip. However for frequent fliers, travel Insurance can be taken for the entire year and it covers an unlimited number of trips throughout the year. Overseas student travel, business travel, leisure travel, adventure travel, cruise travel and international travel are various travel options that can be covered for.

The most common risks that are covered by overseas travel insurance are:

  • Overseas Medical expenses
  • Accidental death or injury
  • Overseas funeral expenses
  • Loss, theft or damage to personal possessions and money (including travel documents)
  • Delayed baggage (and emergency replacement of essential items) or loss of baggage
  • Loss of passport
  • Missed connecting flight due to delay
  • Trip cancellation expenses due to unforeseen weather conditions, etc.
  • Overseas dental treatment

Some overseas travel policies will also provide cover for additional costs, although these vary widely between providers. The additional features provided by them are:

  • Pre-existing medical conditions
  • Travel to high-risk countries, in event of war or terrorism
  • Death or accident due to overdose of drugs or alcohol
  • Mental disorder, anxiety

If the above conditions are not specifically mentioned, they are usually a part of Exclusions. Insurance companies usually cover pregnancy related expenses within the first trimester, although they vary from company to company. Overseas travel insurance can also provide helpful services, often 24 hours a day, 7 days a week that can include emergency travel assistance, booking of tickets, hotel assistance, etc. Consider it a traveler's friend in case of unforeseen circumstances while on a trip.

Types of Travel Insurance Policies

Single Trip: This type of policy is similar to a single-entry visa that entitles the passenger to benefit only for a single trip. It expires as soon as the single trip is over. The premium also depends on the location and duration of the trip. The travel destination is important as some places and countries are considered a higher risk than others. Also, the higher the tenure of the trip, the higher would be the risk of meeting with medical or financial emergencies. Thus the premium depends on these two factors along with the person's age, health conditions, etc. Overseas travel insurance is a combination of general insurance, life insurance and health insurance.

Multi Trip: This type of plan is usually for 1 year for any number of places within the specified time limit. This is like a multiple-entry visa where you can travel to many places within the same year and be covered for every trip with this single policy. The premium depends on the countries of visit and tenure of each visit along with the age and health of the individual traveling. As medical emergencies are covered, health check of the individual becomes of prime importance.

Student policy: These plans are usually for students who travel abroad for study purposes. If they suffer financial and medical emergencies, the same would be covered under this particular policy. The plan usually covers the student for the entire tenure of the education.

Domestic Travel: This is usually taken for travel within India. It covers for financial loss, baggage delay and loss and medical emergencies for travel within India.

Senior Citizen Travel: This plan is especially designed for senior citizens. Medical and non-medical expenses of senior citizens when traveling abroad including hijack distress allowance. The Senior Citizen Plan is one the most preferred among other travel insurers because pre-existing diseases in life-threatening emergency situations are also covered. Benefits like checked-in baggage loss/delay and cashless hospitalisation worldwide are also usually provided.