Travel Insurance Online

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.

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. Senior citizen travel insurance plan 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.

>>List of All Travel Insurance Articles

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

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 

>>Click To Know About Pre-Existing Disease Health Insurance

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.

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:

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.