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Travel Insurance Online

  • Religare Health Insurance is now Care Health Insurance
  • Trip delays, passport & checked-in baggage loss covered
  • Emergency hospitalization & COVID-19 covered
  • Wide ranging destination-specific plans with no pre-policy medicals
  • Hassle-free cashless claim settlement
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Getting an online 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 with ease.

Further, healthcare outside India can be unaffordable for many of us. A travel plan covers emergency medical treatment, thus preventing any financial impact. Considerable thought towards ensuring safety before starting a trip is of utmost importance. Opting for travel insurance is one step in this direction that will protect you financially during unforeseeable events.

Care offers various destination-specific travel insurance plans, as per the specific needs of travellers.

 

Table of Content

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 cost of trip cancellations, medical emergencies, baggage loss, or travel delays.

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. Many students dream of pursuing education overseas at their preferred university. Therefore, an essential activity in our lives, travelling is inevitable, and so are the uncertainties it brings along. For instance, a sudden illness leading to hospitalisation may result in unwanted expenditure that can hamper your travel budget. Moreover, treatment in a foreign country can be costly. Besides, trip delays due to bad weather or lost luggage are typical cases when you can face unexpected expenditures. It is when your travel insurance policy protects you by covering these expenditures.

Types of Travel Insurance Plans

There are six  main types of travel insurance plans they are:

  • International Travel Insurance
  • Family Travel Insurance
  • Senior Citizen Travel Insurance
  • Student Travel Insurance
  • Corporate and Group Travel Insurance
  • Single-Trip and Multi-Trip Travel Insurance

International Travel Insurance

International travel insurance is a travel policy that provides comprehensive protection against travel-related uncertainties during an overseas trip. It covers various unforeseen medical and non-medical expenses, like in-patient, out-patient care, loss of passport or checked-in baggage, trip delays or cancellations, etc. You can get country-specific international travel insurance plans to suit your requirements.

Family Travel Insurance

Family travel insurance provides comprehensive insurance coverage for your entire family during an overseas trip. Under a single plan, you can get cover for all the medical and non-medical expenses of any insured family member.

Senior Citizen Travel Insurance

A senior citizen travel insurance policy is explicitly designed to offer coverage for travel-related risks for travellers who come under the senior citizen's age category, that is, those aged above 60 years without a pre-medical check-up. Such plans provide cover even for pre-existing ailments and ICU care.

Student Travel Insurance

Student travel insurance plans are crafted for ambitious students who are planning to pursue education overseas. Customised travel insurance for students keeps them worry-free and allows them to focus on their studies and be back with good memories. The student travel insurance cover provides a financial cushion to students by taking care of their unexpected expenditures due to any medical or non-medical exigency.

Corporate Travel Insurance

It is a travel insurance coverage for employees of an organisation who undertake business trips to different locations within or outside the country. Corporate travel insurance policies are the safest way to ensure you stay financially protected during any medical or non-medical exigency while on tour for business purposes.

Group Travel Insurance

Group travel insurance offers enormous benefits for those who travel in a group to the same destination. Group travel plans provide comprehensive yet affordable coverage when any group member faces a medical or non-medical exigency.

Multi-Trip Travel Insurance

Multi-trip travel insurance policy generally has a policy period of 12 months, during which the insured person can undertake multiple trips and get coverage for emergency medical and non-medical expenses.

Single Trip Travel Insurance

A single trip travel plan offers insurance cover for only a single trip to an international destination or any location within India. However, travellers can cover multiple destinations together during their single trip. This type of travel insurance policy remains valid until the insured person returns home.

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

Single-Trip Travel Policy
Multi-Trip Travel Policy
Single trip travel insurance is the  best plan recommended for occasional travellers Multi-trip policies are for frequent travellers
Valid for a set number of days Valid for 1 year period with a cap on the travel duration
It provides coverage for a single journey to an international destination from India It provides coverage for medical and non-medical exigencies for multiple trips

Benefits of Travel Insurance

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 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.
  • Covers you in other Contingencies: Trip delays and loss of belongings and documentation will be taken care of under the travel plan. 
  • Multi-Trip Policy: A frequent flyer can  avail of the multi-trip travel policy.
  • Cashless Claim Settlement: You can apply for the cashless claim facility.
  • 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. Listed below are the prominent  benefits of each plan:

Benefits of International Travel Insurance

  • Coverage  for personal accident and dental expenses
  • Benefits in terms of 20% sum insured as out-patient care and double sum insured for accident hospitalisation
  • 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
  • Offers non-medical benefits, like cover for loss of checked baggage and loss of passport
  • Coverage for any interruption, delay, or cancellation of the trip 

Benefits of Senior Citizen Travel Insurance

  • Elderly individuals above 60 years can secure their overseas trip with Senior Citizen Travel Insurance and get financial protection, especially when they travel alone.
  • They can customise the policy as per their requirements.
  • The policy will cover various travel risks, including medical emergencies, personal accident, loss of passport, loss of baggage, trip cancellations, etc. 
  • The travel policy also covers any pre-existing illness that the policyholder was suffering from before getting the policy.   

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 customise 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 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 for  hospitalisation 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 a geographical location for the scope of coverage of the travel insurance
  • Cashless claim settlements and speedy disbursement of claims

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 the  case of hospitalisation during emergency
  • Offers expense cover for adventure sports-related 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

Benefits of Multi-trip Travel Insurance 

  • The multi-trip travel policy is an affordable option for those who plan to fly abroad in the same year frequently. There is no need to get a new policy for every trip.
  • One can choose the multi-trip policy for a trip duration of 30 days, or 45 days, or 60 days. 
  • It provides insurance coverage for various medical expenses incurred during an emergency. 
  • It secures the policyholder by covering trip cancellations, delays, or interruptions
  • The policy is suitable for business travellers or anyone who requires to travel more than once a year.

Benefits of Single-Trip Travel Insurance

  • Single-trip travel insurance is ideal for those who plan for family vacations
  • The policy provides cover for a minimum trip duration of 1 day and a maximum of 180 days.  
  • It provides comprehensive protection by covering medical expenses like in-patient care and out-patient care, and personal accident cover.
  • It secures the insured by covering non-medical expenses in case of loss/ delay of checked-in baggage, loss of passport, trip cancellations/delays/interruptions, etc.
  • The policyholder has the choice to extend the policy to a maximum of 365 days

What is Covered Under Travel Insurance?

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

  • Emergency hospitalisation: Handling a medical emergency is stressful, and even more so when you are far from home. If you are in any unforeseen situation  that requires hospitalisation, our travel insurance plan provides you complete cover encompassing IPD and OPD expenses.
  • COVID-19 cover: Get a travel policy covering coronavirus treatment, considering the pandemic is still posing new health risks. 
  • Accidental hospitalisation: Get up to 100% sum insured in case of accidental hospitalisation. We also cover Accidental Death/Permanent Total Disability.
  • Pre-existing diseases: If you have any  pre-existing illness, and it is a life-threatening condition, do not worry. We offer coverage for it as well.   
  • Treatment in home country: If you require further treatment in your home country, there is coverage for expenses for 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 person. 
  • Trip delay, cancellation, or interruption: If the trip that you booked got cancelled, it could be not only disappointing, but it can also lead to a financial loss. Trip delay, cancellation, or interruption is 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. You need not worry about anything else as you will get the coverage for getting a new or duplicate passport under your travel insurance.
  • 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 the insured can get for an extra premium if they plan to go for adventure sports during their trip. 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, in unforeseen events like a hijack, a travel policy will prove beneficial and cover such risks.
  • 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 accidental injury or property damages to a third party. 

What is Not Covered in 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 of treatment of HIV/AIDS/ other transmitted diseases are not permissible under Travel Insurance Plan
  • 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 a  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.

Travel Insurance Plans
Eligibility Criteria
Explore - International Travel Insurance The minimum entry age is one day.
The minimum entry age of a proposer is 18 years or above.
The maximum entry age for an adult is as specified in the plan.
Student Explore – Student Travel Insurance The minimum entry age is 12 years. 
The maximum entry age is 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 to compare  travel insurance India plans and make the right decision when buying online travel policies.

  • Frequency of your travel: Your decision to buy  an online travel insurance cover should depend on how frequently you travel. If you are a frequent flyer, an annual multi-trip policy will work best for you; else, you can go  for a single trip policy for short journeys.
  • Duration of your travel: Your premium is likely to be higher if you plan to stay longer in an overseas location, so you must choose a policy that best suits your requirements.
  • Geographical location: It is crucial to select a travel plan that offers the best coverage for the travel risks in a particular demographic area. Make sure you keep this factor in mind when buying a policy.
  • Sub-limits: Some insurance policies offer partial coverage for certain conditions; you need to know the limits of the aspects you can claim.
  • Schengen check: If you are travelling to any of the Schengen countries, then you must cross-verify if you have suitable cover under travel insurance for a Schengen visa.
  • Exclusions: Travel plans cover a wide range of medical and non-medical expenses. However, it is essential for buyers to always check for the exclusions to know the scenarious when they cannot make a claim. It avoids unclear assumptions regarding the policy. Hence, understanding exclusions is necessary.
  • Claims procedures: Consider finding information about the detailed intimation process for filing a 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 hospitalisation, loss, theft, personal accident, or any other emergency, you need to inform our customer care associate within the stipulated time.
  • Submit a 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.
  • Provide Post-mortem report, and the  death certificate, in case of demise of insured
  • In case of trip delay or cancellation, we need a return confirmation from the airline
  • After submitting all the documents, you will receive an approval letter from our 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 a precise estimate of the premium cost of travel insurance. With the below steps, estimate the travel insurance premium and plan your travel budget accordingly.

  1. Enter your mobile number
  2. Enter your email id
  3. Your first name and last name
  4. Select the country
  5. Get a quote

>> Calculate Your Travel Insurance Premium Now!

 

We provide travel insurance at a very affordable premium that does not overburden your travel budget. However, the actual amount of premium is subject to the number of travellers, age, travelling country, trip duration, and coverage type. Moreover, the premium varies, depending on the destination you have chosen. While using the travel insurance premium calculator, you can customise the policy and the amount will vary based on the different factors.

*T&C applied. The premium cost will also include GST @ 18%.

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 a few points to remember for porting 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
  • Ensure policy renewal without a break

The 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 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. 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 hospitalisation, surgery, anaesthetic 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. So, pick a  plan that gives you maximum coverage.
  • 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. Trusted travel insurance companies like us give you quick assistance in case of emergency.
  • 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 the travel insurance that has minimal exclusions. 

Difference between Health and Travel Insurance 

While a health insurance plan and travel insurance both cover you against medical expenses you incur in an emergency, a travel policy covers such costs only during a trip to a destination for a specified duration. It is not right to assume that your domestic health insurance will cover your expenses when travelling abroad. Thus, a travel cover is a must if you are flying abroad. 

Besides, there are some differences between these two types of insurance plans. They have distinct benefits, coverage, exclusions, and claim policies. You must understand how they work so that you can get the maximum benefits safe. 

 

Check the differences  between Health and Travel Insurance:

Factors
Health Insurance
Travel Insurance
Definition
A health insurance policy is an insurance policy that gives comprehensive cover for various medical expenses incurred by an insured person or a group of individuals.  A travel insurance policy is an insurance policy that covers various travel-related risks, including medical and non-medical expenses incurred by the insured only during a trip.
Coverage
Health insurance covers a wide range of medical expenses, due to any illness or injury, including in-patient hospitalisation, pre-and-post hospitalisation medical expenses, ambulance, and day care treatment.  Travel insurance covers medical expenses, like in-patient and out-patient care. In addition to this benefit, it covers various non-medical expenses one incurs due to unforeseen trip delays, loss of passport, loss of checked-in baggage, etc.
Premium
Health insurance premium depends on factors, such as the number of insured persons, their age, the sum insured, pre-existing health conditions, etc.  Travel insurance premium depends on factors like the number of travellers, age, pre-existing conditions, the destination selected, the sum insured,  and trip duration, among others.
Who should buy
If we consider the current medical inflation rate and rising health risks affecting young and older people, health insurance is recommended for all individuals.  Travel insurance is recommended for anyone who is planning for a trip, especially to a foreign destination. It is a must for holidaymakers, backpackers, tourists, business travellers, and students.
Advantages
Health insurance helps a person manage the unforeseen medical expenses arising due to any medical emergency. It also allows one to get coverage for any planned medical treatment due to illness or age-related health issues. There are various health insurance plans one can choose, based on individual or family health needs.  Travel insurance is a great help when one is embarking on a trip to any destination. It provides financial protection against numerous travel-related uncertainties that can potentially ruin a trip. There are various destination-specific travel plans one can choose, as per the trip needs.

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. It is true, especially in unforeseen situations. Here is where a travel insurance policy proves indispensable for any traveller who aims to explore the best places without any worry. Travel insurance is a vital financial back-up. Let us find out what makes travel insurance worth the money you invested:

  • Travel inconveniences are common: We cannot ignore the chances of events like trip delays, trip cancellations, and lost passport or baggage. The expenses you may incur then can be considerably high. A travel insurance policy saves you by covering the losses you might face. 
  • Financial Protection in Medical Emergency: Facing a medical emergency is stressful not just in your home country but even more so in a foreign destination. 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!
  • Uncertainties and Health risks: Visiting an unknown destination requires us to assess health risks. Staying well informed about the routine vaccinations and medicines one may need 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 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.

Country Specific Travel Insurance

Travel Insurance DubaiTravel Insurance USATravel Insurance CanadaTravel Insurance TurkeyTravel Insurance Europe | Travel Insurance South Africa | Travel Insurance New Zealand | Travel Insurance Australia | Travel Insurance Japan | Travel Insurance Srilanka | Travel Insurance Bali | Travel Insurance for France | Travel Insurance Switzerland | Travel Insurance Maldives | Travel Insurance Singapore | Travel Insurance UK | Travel Insurance Asia | Schengen Travel Insurance | Travel Insurance Russia | Travel Insurance Germany | Travel Insurance Malaysia | Travel Insurance Bhutan | Travel Insurance UAE | Travel Insurance China | Travel Insurance Italy | Travel Insurance Israel | Travel Insurance Spain | Travel Insurance Vietnam

FAQ Travel Insurance

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Q. When is the Best Time to Buy Travel Insurance?

To get your travel insurance plan into effect, you must buy a travel policy at least 10-14 days before the trip. Travel insurance is known for covering unforeseen events and losses. Therefore, it is always advised to buy this plan a few days before you plan a trip rather than buying it at the last minute.

Q. Why Do You Need Travel Insurance?

Travel insurance provides comprehensive protection for a traveller against various travel uncertainties and risks. Healthcare may be expensive overseas. A travel policy will cover emergency hospitalisation. Moreover, events like thefts leading to loss of baggage or passport, and trip delays are common. A travel plan will keep a traveller worry-free during unforeseen circumstances.

Q. How Many Days Can I Extend my Travel Insurance?

One can get an extension for a single trip policy up to a maximum of 365 days or maximum trip duration specified in the plan. The policyholder will no longer receive the coverage once the duration reaches 365 days.

Q. Does Travel Insurance Cover the Loss of Credit Cards?

Travel insurance provides cover for the loss of your belongings, due to a theft, which you carry with you provided you have the respective proof. However, it will not pay claims for loss of money, ATM or credit cards, etc.

Q. Is Travel Insurance Compulsory when Travelling Abroad?

In some countries, having a travel medical insurance is a pre-requisite for visa application. Opting for overseas travel insurance is crucial even if it is not mandatory since it can save you from a financial crisis and the stress of travelling. It covers emergency medical treatment costs and various unforeseen expenses incurred due to trip delays, loss of passport, etc.

Q. How Much Does Travel Insurance Cost?

Our travel insurance plans have an affordable premium, which would not overburden your travel budget. The premium costs vary depending upon the geographies and factors like the number of travellers, their age, destination, trip duration, and the type of coverage selected. You can get a cost estimate with the help of an online travel insurance premium calculator.

Q. Can I Buy a Travel Insurance Last Minute?

If you have forgotten to buy a travel insurance policy before your departure, then you do not need to worry. You can get travel insurance online in a few simple steps. However, it is advisable to avoid getting a travel cover at the last minute.

Q. Are Pre-Existing Diseases Covered Under Travel Insurance?

Yes, pre-existing diseases are covered under travel insurance. We indemnify the expenses incurred for the treatment of pre-existing illness in case of life-threatening situations, up to the limit mentioned in the policy.

Q. Why is Travel Insurance Important for International Students?

Students planning to study overseas may have to provide proof of adequate medical cover before enrolment in a foreign university. With a student travel plan, they can secure their stay overseas and be financially and mentally stress-free. The policy will cover various travel-related risks, including emergency medical treatment, which is likely to be expensive otherwise.

Q. Can I Buy a Student Travel Insurance Plan for a Short Term Course of 4 Months in the UK?

Yes. You can buy a student travel insurance plan for a short term course of 4 months in the UK. Our travel insurance policy provides cover from 30 days to 36 months.

Q. Is it Possible to File a Travel Insurance Claim after Returning Back to India?

Yes, it is possible to file a travel insurance claim after returning to India provided it should be filed and documents submitted within 30 days of the occurrence of the event.

Q. What Medical Conditions Affect Travel Insurance?

Travel insurance provides coverage for medical issues and accidents that occur during your trip. We do not cover the treatment fee for pre-existing illnesses and medical conditions.

Q. Can I Extend the Travel Insurance Policy if I already have an On-Going Claim?

Extension of the policy can be done before the expiry of the current travel policy. It is good to go for a policy extension at least a week before its expiry period. You can request for extension of the policy online through our website by entering your required details. The policy extension is possible if no claim is made for hospitalisation cover. If other claims are filed, the extension can be done subject to underwriting review.

Q. What Will Happen if I Lose my Travel Insurance Policy?

If you lost your travel insurance policy, you should inform us immediately. It is advisable to note the policy number in your diary whenever you are travelling. With the help of policy numbers, it will be convenient to get the duplicate copy for the claim process.

Q. Can I Get Travel Medical Insurance for my Elderly Parents?

Yes, you can get travel medical insurance for your elderly parents. Please check the eligibility criteria before opting for a region-specific travel insurance cover.

Q. Is it Possible to Cancel the Travel Insurance Policy Midway?

Yes, you can cancel the travel insurance policy midway. Cancellation of the policy before the policy period end date is allowed in case of denial of visa, cancellation of the trip, or early return to India, provided the insured submits the documentary proofs. We will refund the premium post deducting the cancellation charges, as specified in the policy document.

Q. How is a Single Trip Policy Different from a Multi-Trip Policy?

A single trip international policy provides coverage for a single international trip for a pre-defined number of days. In contrast, a multi-trip policy provides you with the coverage for multiple trips taken during a policy year. The single-trip is suitable for those who plan for family vacations while the multi-trip policy is suitable for business travellers who travel frequently.

Q. Is a Cashless Hospitalisation Facility Available Under Travel Insurance?

Yes, a cashless hospitalisation facility available under travel insurance. If there is any medical emergency that occurs during your stay in a foreign country, then you can go for cashless hospitalisation for treatment, including in-patient care.

Q. How Long is a Travel Insurance Cover Valid? What if I Returned from the Trip Before my Policy Period?

Travel insurance cover is valid maximum for a year from the start date. You are entitled to get the refund if you returned from the trip before your policy period. Premium will be refunded as per the policy T&C.

Q. Are Non-Refundable Tickets Covered Under Travel Insurance?

No. Non-refundable tickets will not be covered under travel insurance.

Q. How Long Does it Take to Settle the Insurance Claim?

We settle (or reject as the case may be) insurance claims within 30 days of receipt of all necessary documents from the insured. We give an offer of settlement of claim to the policyholder and shall make the payment within 7 days from the date of receipt of its acceptance by the policyholder.

Q. What are the Documents Required while Making an Online Travel Insurance Claim?

To make an online travel insurance claim, you need the following documents:

  • Duly filled claim form
  • Indoor case papers, consultation papers
  • Receipts of payments towards medical bills, investigation reports
  • Hospital discharge summary
  • Copy of the passport of insured duly stamped in entry and exit

Q. What is Covered Under Trip Cancellation and Checked-in Baggage Loss?

  • Trip Cancellation Cover: It covers all the expenses that you may incur while cancelling the trip due to illness, accident, close family member’s death, and other such critical conditions.
  • Checked-in Baggage Loss: Under this cover, your expenses will be reimbursed in the event of baggage lost, stolen, or delayed up to a specified amount for each block of 4 hours delay.

Q. What Premium is Applicable If I Extend my Travel Insurance Online?

The premium depends on factors like the number of travellers, age, destination, the sum insured, trip duration, and the type of coverage selected.

Q. Does the Travel Health Insurance Policy Cover Dental Treatment?

Yes, dental expenses that incur due to an injury during your trip will be covered. However, it does not include the costs of your medical tour for dental surgery.

Q. Is International Travel Insurance Valid for Domestic Travel?

No, international travel insurance is not valid for domestic travel. If you are travelling within the country, you have to opt for domestic travel insurance that has different terms and conditions.

Q. How can I Cancel my Travel Insurance Policy? Will I Get Any Refund?

You can cancel your travel insurance policy on the following grounds:

  • Denial of Visa
  • Cancellation of trip
  • Early return to India

You have to submit adequate documentary proof for cancellation. We will refund the premium after deducting the cancellation charges, as per policy T&C.

Disclaimer : Information above is just for reference. Kindly read T & C of policy thoroughly. Do refer IRDAI guidelines for tax exemption conditions.

*Source: IBAI Claims Handbook for FY 19-20 and *number of claims settled as on June 30, 2020

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