Travel Insurance Online

What is Travel Insurance?

Travel insurance is coverage designed to provide financial protection for the expenses incurred due to uncertain events while travelling overseas. A travel insurance policy covers the expense of trip cancellations, medical emergencies, baggage loss or travel delay.

Why Should You Buy a Travel Insurance Policy?

Traveling gives us new opportunities to explore new cultures, people and places and discover the beautiful things the world has to offer. Many students dream of pursuing education overseas at their preferred university. Therefore, an important activity in our lives, traveling is inevitable and so are the uncertainties it brings along. For instance, a sudden illness leading to hospitalization may result in unwanted expenditure that can hamper your travel budget. Moreover, treatment in a foreign country can be costly. Besides trip delays owing to bad weather or lost luggage are typical cases of when you can face risks of unexpected expenditures. This is when your travel insurance policy protects you by covering these expenditures.

International Travel Insurance

A travel insurance policy customized according to the geographical location, international travel insurance provides you the best financial support when you are traveling to any of the beautiful countries in the world. It offers various medical benefits including hospitalization cover which includes the bill of in-patient and out-patient departments, medical evacuation as well as treatment in one’s home country.

Applicable worldwide, this travel insurance policy also brings you a host of non-medical benefits so that you can enjoy your trip without any financial hassles. You can get country-specific international travel insurance plans to suit your requirements. It is an affordable plan where you are required to pay per-day rates rather than for slabs, thus saving cost.

Benefits of International Travel Insurance

• Expenses cover for personal accident and dental expenses.
• Benefits in terms of 20% sum insured as outpatient care and double sum insured for accident hospitalization.
• Cover for pre-existing health problems and common accidental deaths.
• The convenience of cashless claim settlements.
• Feature to easily upgrade into business class seats during their flight.
• Settlement of all the monetary losses incurred during the flight due to delay for valid reasons.
• Non-medical benefits like cover for loss of checked baggage and loss of passport.
• Coverage for any interruption, delay or cancellation of the trip and medical evacuation in case of emergencies.

Student Travel Insurance

To give a boost to their career, many students choose to pursue education overseas. As a student embarks on an international trip, the risk of uncertainties he or she may encounter increases. A student travel insurance plan offers financial cushion during these situations which can also lead to unforeseen medical expenses.

Customized travel insurance for students keeps them worry-free and allows them to focus on studies and be back with good memories. Moreover, student travel insurance is regarded as the most cost-effective insurance in India owing to the cashless settlements feature.

Benefits of Student Travel Insurance

A student travel plan is a comprehensive package entailing various travel-related benefits. It comes with the following benefits that make the life of students studying abroad highly convenient

• Option to customize the policy covers as per the requirements of the university. Students pursuing education overseas have different travel insurance for Schengen visas as per the needs of the universities.
• Immense flexibility in choosing your own geographical coverage of the policy, unlike other travel insurance plans that have a single plan for all geographical locations.
• No upper age limit and no per ailment limit.
• Double the sum insured in case of hospitalization due to an accident.
• No pre-medical check-ups.
• Medical cover entailing medical evacuation, in-patient and out-patient care, dental expenses due to injury, permanent total disablement or permanent partial disablement.
• Cover for non-medical exigencies like loss or delay of checked-in baggage, loss of passport and international driving license, interruption of studies, personal liability, a compassionate visit by a family member and sponsor protection.
• Option to select the travel insurance for the tenure of 1 month to a maximum of 3 years.
• Choice of selecting geographical location for the scope of coverage of the travel insurance.
• Cashless claim settlements and speedy disbursement of claims.

Group Travel Insurance

Group travel plans offer coverage for both international and domestic journeys. There are single-trip policies offering coverage for a single journey either abroad or domestic. For frequent travelers, annual multi-trip policies are affordable compared to single-trip policies as there is no need for getting separate travel cover for each trip.

Benefits of Group Travel Insurance

• Flexibility to choose between single-trip policy and annual multi-trip policy.
• The considerable sum for dental expenses.
• Double the sum insured in case of hospitalization during emergency.
• Offers expense cover for adventure sports injury and self-inflicted injury.
• Out-patient and in-patient medical expense cover.
• Specially dedicated admin as the guide for travel policies during the insured period.
• Widespread coverage for medical tests like radiotherapy, chemotherapy, mammography and cancer screening in-network hospitals.
• Cover for non-medical expenses, personal liability and bail bonds.
• Specific cover for medical expenses due to a threatening medical condition resulting from a pre-existing disease.

Travel Insurance Eligibility Criteria

Before buying an online travel insurance policy, it is essential to know about the certain clauses in travel policies in order to understand whether you are eligible to buy a policy or not.

• Minimum age: For both single trip and multi-trip policy, the minimum age of entry for the insured person is one day.
• Maximum age: To avail Care overseas travel insurance policy, the maximum age is 70 years for multi-trip. There is no age limit for getting single trip travel insurance.
• Policy renewal: There is no age limit for renewal of single trip insurance plans whereas the limit is up to 70 years in case of multi-trip insurance.
• Sum insured: The sum insured can be USD 25000/50000/100000. For European countries, the sum insured is between USD 30000 and 100000.
• Policy tenure: Single trip policies are valid for a period of 365 days whereas policy tenure for multi-trip travel insurance policies is up to 60 days.
• Premiums: Premiums are calculated by taking into account various factors such as the age, the sum insured duration and destination.
• Student Travel Plan: To avail student travel plan, the minimum age of entry is 12 years and the maximum age extends to 40 years. Also, for renewal of the policy the age limit is up to 40 years.

Factors to Consider when Buying Online Travel Insurance

Based on the nature of the trip, you must pick a travel plan that meets your travel requirements in the best possible way. Consideration of certain factors, as specified below, will help you make the right decision when buying online travel policies.

• Frequency of your travel: Your decision to buy online travel insurance should depend on how frequently you travel. If you are a frequent flyer, an annual multi-trip policy would work best for you; else you can opt for a single trip policy for short journeys.
• Duration of your travel: Your premium is likely to be higher if you are planning to stay longer in an overseas location, so you must choose a policy that best suits your requirements.
• Geographical location: It is important to select a travel plan that offers the best coverage for the travel risks in a particular demographic location. Make sure you keep this factor in mind when buying a policy.
• Sub-limits: Some insurance policies offer partial coverage for certain conditions, it is essential for you to know the limits of the aspects under which you can make a claim.
• Schengen check: If you are traveling to any of the Schengen countries, then you must cross-verify if you have suitable cover under travel insurance for Schengen visa.
• Exclusions: Travel plans cover a wide range of medical and non-medical expenses. However, it is important for a buyer to always check for the exclusions to know the conditions under which he or she cannot make a claim. It avoids unclear assumptions regarding the policy, and hence understanding exclusions are necessary.
• Claims procedures: Consider finding information about the detailed process of intimation of the claim as different companies have different procedures for claims and settlements. Sometimes insurers may have tie-ups with local insurance providers.

Claim Process for Travel Insurance

During the untoward event, the first thing you want is a hassle-free claim settlement. Filing a claim under travel insurance is no longer a cumbersome task for us. Our claim process is simple and easy.

Follow the below steps for timely reimbursements or claims:

• Keep the originals and photocopies of your passport, visa, flight tickets, and travel insurance policy handy.
• In case of emergency hospitalization, loss, theft, personal accident or any other emergency you need to inform our customer care associate within the stipulated time.
• Submit travel insurance policy claim form along with medical, diagnosis, and medicines bills Submit medical certificate issued by the hospital or doctor.
• Submit the discharge form issued by the hospital or doctor.
• Submit the report issued by the medical examiner.
• Provide the Police Report or FIR in case of personal accident, theft or loss.
• Post-mortem report and death certificate, in case of insured demise.
• In case of flight delay or cancellation, a return confirmation from the airline is required.
• After submitting all the documents you will receive an approval letter from Care Health Insurance’s claim management team for claim settlement.

How to Calculate Online Travel Insurance Premium?

Now, you can easily calculate the online travel insurance premium with the help of the premium calculator available on our website. It gives you an estimate about the cost of travel insurance. With the below steps, get the estimate of the travel insurance premium and plan your travel budget accordingly.

• Enter your mobile number
• Enter your email id
• Your first name and last name
• Select the country
• Get a quote

>> Calculate Your Travel Insurance Premium Now!

We provide travel insurance at very affordable premiums that do not overburden your travel budget. However, the actual amount of premium is subjected to the number of travelers, age, traveling country, trip duration, and the type of coverage selected.

Travel Insurance Portability

Insurance portability is a right accorded with a policyholder to switch from one insurance provider to another without losing the accumulated benefits. We accept travel insurance portability without a hitch. You need to get online registration and start with your new policy benefits.

Here are few points to remember for poting your travel Insurance policy:

Before 45 days of policy renewal you have to take the following steps:

• Inform about switching to your old insurance provider
• Mention the name of the new insurance company
• Policy renewal without a break
• Premium and policy benefits are at the discretion of the new insurer

How to Choose the Best Online Travel Insurance?

You can opt for a travel insurance plan while sitting at home or office. Here, you can read how you can choose the best online travel insurance plan for a stress-free journey:

Maximum Coverage: The first thing that you should check-in online travel insurance is coverage. Comprehensive travel insurance includes all types of medical and non-medical expenses that you may incur during an emergency when you are away from your home country. So, you should pick the travel insurance that covers all your travel risks and gives you maximum coverage.

Medical Coverage: Exclusive travel insurance includes expenses such as emergency hospitalization, surgery, anesthetic tooth treatment, medical evacuation, and accidental death. Hospital daily cash allowance, air ambulance, medical repatriation, and permanent disablement are the other medical benefits of travel insurance. So, pick the plan that gives you maximum coverage.

Non-Medical Coverage: Before choosing a travel insurance policy, make sure that it gives you non-medical coverage as well. Compensation in case of loss or delay in your checked-in baggage, flight cancelation or delay, personal liability, and extended hotel accommodation, are its non-medical benefits.

Quick Assistance: You should read the online reviews about the insurance providers to know how good they are in providing quick assistance to their customers. See the ratings and then make your buying decisions. A good travel insurance company always gives you quick assistance in case of emergency.

Premium Amount: Use online premium calculators that are available on the websites of the insurance companies to calculate the amount of premium. You need to put the details and compare the premium to choose the one that best suits your travel budget.

Claim Settlement Ratio: It is the ratio that shows the capability of the insurer to settle the claims. Companies with higher ratios are always good to go. You can ask the insurance advisors about the claim settlement process and time frame. Read the detailed online brochure for more clarity.

Exclusions List: Adventure sports injury, non-disclosure of pre-existing disease, consumption of alcohol, cosmetic, obesity treatment, and others come under exclusion. It means you are not entitled to file a claim for exclusions. So, you should pick the travel insurance that has minimal exclusions.

Difference between Health and Travel Insurance

They have distinct benefits, coverage, exclusions, and claim policies. Read below the main differences between them to avoid confusion.

• Travel insurance is designed for holidaymakers, backpackers, tourists, and travelers to cover their travel risks. Whereas, health insurance is for every individual, covers all medical emergencies. You can opt for both insurance for yourself and your family.
• Travel insurance intends to cover the expenses that you incur due to medical and non-medical emergencies in a foreign country. However, health insurance covers pre and post hospitalization expenses only when you are admitted to the network hospitals in the home country.
• Travel insurance covers multiple trips annually into one policy. In health insurance, you have to buy a separate policy for your family.
• Travel insurance is for a particular span of the period, which mostly covers the duration of your travel. Health insurance provides continuous cover as long as its premium dues are paid timely.
• Only a portion of your travel insurance premium is tax-deductible. However, you can avail various tax benefits from your health insurance.

Despite being two different products, people equate travel insurance with health insurance. They have some commonalities but not an alternative to each other. It could be a mistake to assume that your health insurance is enough while you are traveling abroad. It’s advisable to understand the difference between two and opt for both to cover your travel risks and protect your future.

Is Travel Insurance Really Worth it?

When it comes to traveling smart, we undertake a lot of precautions and thorough planning before beginning a journey. Buying travel insurance policy is and must be an essential part of this planning process. Uncertainties and illnesses are inevitable in any situation and more so when you are traveling. The risks increase further when you are in an unfamiliar place in an overseas destination. There is no guaranteed way to avoid these situations but they can be best managed with the support of a travel insurance policy.

Healthcare costs are exorbitant in many developed countries of the world and in case you are required to seek emergency medical care; you may end up getting hefty medical bills. Getting a travel policy for you and your family is an affordable way to meet the medical and non-medical expenses you may incur abroad. Without a travel policy, meeting emergency expenses can be a herculean task and will spoil your entire travel experience. So, investing in a good travel insurance policy is worthwhile, always.

Online Travel Insurance Plan for Most Visited Countries

There are some countries that require mandatory travel insurance for visitors. For instance, in the Schengen region, some types of medical insurance are definitely a prerequisite before getting a visa. The Schengen region is a collective collaboration of 26 European countries that act as one single country to facilitate international travel plans.

Here is a complete list of countries where travel insurance is mandatory for foreign visitors.

• Cuba
• The United States of America
• The United Arab of Emirates
• Schengen Countries
• Antarctica
• Qatar
• Russia
• Turkey

Even for countries that do not specify the need for travel insurance, it is always advisable to have one as any medical expenses outside India is definitely 10 times costlier. So, to be on the safer side it is always advised to get travel insurance before flying.

Here, we have also listed the travel destination guides for most visited countries.

Travel Insurance Reviews and Ratings

4.67/5

Vijay Kumar

Mumbai , 10/01/2020

Good Customer Support

I always buy travel insurance from Care Health Insurance for my international trips as they have excellent customer support team.

Deepak Sharma

Delhi

Best Travel Insurance

If you wish to have a hassle-free trip, go for Care Health Insurance's travel insurance policy as they have seamless claim settlement procedures.

Harish Aggarwal

Delhi

Outstanding Service

I recently purchased a Student travel plan for my son through Care Health Insurance. Their service is simply outstanding!

Jyoti Jha

Gurgaon

Seamless Claim Settlement

On my recent Europe vacation, I faced a medical emergency. Thankfully I had opted for travel insurance by Care Health Insurance and my claims were promptly settled.

Susan

Bangalore

Most Reliable

Care Health Insurance offers the right travel insurance products that every traveler looks for. Highly satisfied with their reliable and outstanding service!

About Care Travel Insurance

Choosing the right travel insurance plan one is also a crucial decision. More than trip cancellation benefits, Care travel insurance focuses on medical benefits like evacuations. Be it occasional travelers or regular flyers, everyone needs travel insurance based on their needs. So, to tackle the risks of traveling abroad like loss of passport, loss of checked baggage and delays, getting Care travel insurance is a wise choice.