Travel Insurance Online

Getting a travel insurance cover is among the foremost things to do if an overseas trip is on your calendar this year. A business tour, an educational opportunity, or a planned vacation time with family - for the countless reasons you may have, you must never forget that it is crucial to secure your trip as things may not go as expected. One may fall sick, get injured, face trip delays, or lose documents or baggage. A travel insurance plan helps you manage some major travel-related risks and finances with ease.

At Care Health Insurance, we offer various destination-specific travel insurance plans, as per the specific needs of travellers. You can also buy online travel insurance without any hassle of going to agents and starting the tiresome process.

Why is Travel Insurance Important?

Travel insurance is necessary to cover the unexpected expenses arising out of a travel emergency en route. . A travel insurance policy covers the cost of trip cancellations, medical emergencies, baggage loss, or travel delays. Hence, getting the best travel insurance becomes indispensable while you are travelling abroad and looking forward to a seamless vacation or business trip.

Why Should You Buy a Travel Insurance Policy?

Travelling gives us new opportunities to explore new cultures, people, and places and discover the beautiful things the world has to offer. Travelling is inevitable, and so are the uncertainties it brings along. For instance, a sudden illness leading to hospitalisation may result in unwanted expenditures that can hamper your travel budget. Moreover, treatment in a foreign country can cost you a fortune if you don’t have a travel insurance policy in place. Besides, trip delays due to bad weather or lost luggage are typical cases when you can face unexpected expenditures. Travel insurance benefits are immense and could come to your rescue in an unknown nation where you have no contacts.

Types of Travel Insurance Plans

There are three main types of travel insurance plans and they are:

Difference Between Single-Trip and Multi-Trip Travel Insurance Policy

Benefits of Travel Insurance Policy

No matter what your travel purpose is, we've got you covered to make your journey joyous and stress-free. Summarising below the benefits of opting for the best travel insurance online:

• Comfort: Having a travel insurance cover for your trip will save you, especially senior citizens and students, from the stress of spending out of your pocket while travelling. The best thing is you can buy travel insurance online.

• Protection in Medical Emergency: The policy provides coverage to help you get immediate medical attention.

• Compensation in case of Mishaps: The plan offers compensation to the nominee in case of the insured person's uncertain death.

• Coverage for Non-medical Contingencies: Trip delays and loss of belongings and documentation will be taken care of under our trip insurance plan.

• Multi-Trip Policy: A frequent flyer can avail of the multi-trip travel policy.

• Cashless Claim Settlement: Avail cashless claim facility worldwide.

• Region-specific Plans: Our region-specific best travel insurance India plans help to relish your trip and leave all your travel worries with us.

Our customised travel insurance plans have global coverage and come with several benefits.

What is Covered Under Travel Insurance?

We offer comprehensive travel insurance online. Check below the travel insurance coverage and pick it up now:

• Emergency Hospitalisation Cover: In case of any unforeseen situation that requires hospitalisation, our travel insurance plan provides you with complete coverage encompassing IPD and OPD facilities.

• COVID-19 Cover: Get a travel policy covering coronavirus treatment, considering the pandemic is still posing new health risks.

• Accidental Hospitalisation: Claim up to 100% sum insured in case of accidental hospitalisation. We also cover Accidental Death/Permanent Total Disability.

• Pre-existing Disease Cover: Are you dealing with a life-threatening pre-existing illness? Worry not! We get you covered for this as well.

• Treatment in Home Country: If you require further treatment in your home country, the expenses for the same will be covered up to 30 days or up to the policy end date, whichever is earlier.

• Common Carrier Accidental Death: God Forbid! If the policyholder loses his/her life while travelling in a common carrier/public transport, we will pay a lump sum amount as compensation.

• Repatriation of Mortal Remains: The policy will cover the expenses, up to a defined amount, related to the transportation of mortal remains in case of death of the insured.

• Trip Delay, Cancellation, or Interruption: If the trip that you booked got cancelled, it could be not only disappointing but can also lead to a financial loss. Trip delay, cancellation, or interruption are no more a headache for you. We cover them too!

• Loss of Travel Documents: If you lose your travel documents, like a passport or international driving license, the first step you take is to inform the authorities. Since there leave everything to us! We will take care of the expenses incurred for availing of a new one.

• Loss of Checked-in Baggage: Losing luggage can ruin any trip. However, when there are such risks involved, having an international travel insurance policy becomes crucial. It will cover the losses by reimbursing the incurred costs.

• Up-gradation to Business Class: For a comfortable journey, if you require an up-gradation to business class, you will receive coverage of a specified amount under our travel insurance policy.

• Adventure Sports Cover: It is an optional benefit to be availed on extra premium if someone wishes to opt for adventure sports while travelling. The policy covers expenses of an insured participating in hazardous activities, subject to policy terms and conditions.

• Missed Flight Connection: Missing a flight can make you incur additional expenses on travel and accommodation. There is no need to get anxious about the financial burden as such expenses will be reimbursed in a travel policy.

• Hijack Distress Allowance: We all wish for a safe trip. However, unforeseen events like a hijack can occur anytime ruining the whole excitement. With a travel policy, one can cover such risks as well.

• Automatic Trip Extension: If your trip is extended due to unavoidable circumstances, you need not bother about the unexpected expenses as the period of insurance will be extended up to a specified number of days.

• Personal Liability: The policy will safeguard the insured if any personal liability arises due to an accidental injury or property damage to a third party.

What is Not Covered under a Travel Insurance Plan?

Although a travel policy covers several medical and non-medical expenses, there may be many risks that do not get covered. It is beneficial to check the exclusions under travel insurance coverage. Some of the exclusions are as follows:

• Expenses for treatment of HIV/AIDS/ other transmitted diseases

• Expenses arising out of hazardous activity, the influence of drugs or alcohol, or consequences of war/nuclear perils

• Costs incurred due to exposure to ionising radiation or contamination

• Expenses due to the treatment of self-inflicted injury or suicide

• Any liability related to any professional services offered by the insured

• Expenses incurred by engaging in business activities

• Costs incurred due to ownership of any aircraft, watercraft, motor vehicle, etc

• Personal liability of the insured towards another individual (whether personal, official, or commercial)

• Expenses due to wrongful detention, false arrest, wrongful eviction, defamation or mental trauma and shock resulting from such situations

• Costs incurred due to encroachment of intellectual property rights like patent, copyright, and trademark

• Liability related to possession of animals, insects, bird, and reptiles and their byproducts

• Expenses arising as a result of an insured person engaging in Breach of Law

Travel Insurance Eligibility Criteria

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

Claim Process for Travel Insurance

During an untoward event, the first thing you want is a hassle-free claim settlement. Filing a claim under travelling insurance is no longer a cumbersome task with our simple and easy claim process:

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 a precise estimate of the premium to be paid to avail of travel coverage. With the below steps, estimate the right 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

While using the travel insurance premium calculator, you can customise the policy. The premium amount will vary based on different factors.

How to Choose the Best 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 to compare travel insurance India plans and make the right decision when buying online travel policies. Here, you can read how you can choose the best online travel insurance plan for a stress-free journey:

• Maximum Coverage: The first thing to check in online travel insurance is coverage. Comprehensive travel insurance covers all types of medical and non-medical expenses that you may incur during an emergency when you are away from your home country.

• Medical Coverage: Exclusive travel insurance includes expenses such as emergency hospitalisation, surgery, anesthetic tooth treatment, medical evacuation, and accidental death. Further, hospital daily cash allowance, air ambulance, medical repatriation, and permanent disablement are the other medical benefits of travel insurance.

• Non-Medical Coverage: Before choosing a travel insurance policy, make sure that it gives you non-medical coverage. Compensation in case of loss or delay of your checked-in baggage, flight cancellation or delay, personal liability, extended hotel accommodation, etc., 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 immediate assistance to their customers. See the ratings and then make your buying decisions.

• Premium Amount: Use online premium calculators available on our official websites to calculate the premium for different plans. You need to put the details and compare the premium to choose the one that best suits your travel budget.

• Claim Settlement Ratio: The ratio shows the insurer's capability to settle the claims. Companies with higher CSR are always good to go. Read the detailed online brochure for more clarity.

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

• Claims Procedure: Make yourself aware of the detailed process for filing a claim as different companies follow different procedures for claim settlement. Sometimes insurers may have tie-ups with local insurance providers.

Difference between Health and Travel Insurance

Health and travel insurance have distinct benefits, coverage, exclusions, and claim policies. You must understand how they work to ensure the maximum benefits. Below are the factors that differentiate health and travel insurance from each other:

Is Travel Insurance Really Worth it?

Following some travel tips always goes a long way. One of them is to avoid a cash crunch. However, travel costs are bound to increase. An international travel policy proves indispensable for any traveller who aims to explore different places worry-free. Let us find out what makes travel insurance worth the money you invested:

• Travel Inconveniences are Common: We cannot ignore the uncertainties such as trip delays, trip cancellations, and loss of t passport or checked-in-baggage. The expenses one may incur can be considerably high. A travel policy comes to your rescue in such a situation.

• Financial Protection in Medical Emergency: Medical facilities are expensive in developed countries, and precisely for this reason, one needs overseas travel insurance that will cover those hospital bills, saving thousands of dollars!

• Coverage for COVID-19: Staying well informed about routine vaccinations and medicines is crucial. Yet, the world witnessed the impact of a pandemic that reminded us of life’s uncertainties. With an international travel policy, you gain the financial strength to face any emergency hospitalisation due to COVID-19 thus securing your health wherever you are!

• Secures Multiple Trips: Many of us may need to travel abroad more than once a year. It can lead to significant travel expenses. So, all frequent flyers can secure their trip with a multi-trip travel policy and stay financially safe.

Online Travel Insurance Plan for Most Visited Countries

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 are definitely 10 times costlier. So, to be on the safer side it is always recommended to get yourself covered before flying. Buying travel insurance online will ensure you don’t have to unnecessarily follow the tiresome process of purchasing a plan from agents. If you focus on buying the best travel insurance after going through the details, you will definitely be safeguarded against unforeseen circumstances. So, must plan your international trip insurance beforehand to avoid inconvenience.