Buy Online Travel Insurance - Best Travel Insurance Policy

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:

International Travel Insurance Plan	Student Travel Insurance Plan	Group Insurance plan
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.	Student travel insurance plans are crafted for those students who are planning to pursue education overseas. Customised travel insurance for students keeps them covered financially; thus, allowing 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 arising due to any medical or non-medical exigency	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.

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 going on vacation or short business trips	Multi-trip policies are for frequent travellers.
Valid for a limited number of days	Valid for 1 year period with a cap on the travel duration

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.

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.

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:

Factors	Health Insurance	Travel Insurance
Definition	A health insurance policy is an insurance policy that gives a comprehensive coverage 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 during a trip.
Coverage	Health insurance covers a wide range of medical expenses arising due to any illness or injury, including in-patient hospitalisation, pre-and-post hospitalisation medical expenses, ambulance, daycare treatment and so on.	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 both young and older people, health insurance is recommended for all individuals.	Travel insurance is recommended for anyone who is planning a trip abroad. It is a must for holidaymakers, backpackers, tourists, business travellers, and aspiring 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 for age-related health issues.	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. 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.

FAQs on Travel Insurance

Q. Can I Buy Travel Insurance Online?

Yes, you can buy a travel insurance plan online without facing the hassle in four easy steps:

Step 1: Visit www.careinsurance.com and fill in all the required details, namely the proposer’s detail, the insured person's age and details, the place you are travelling to, and other asked details.
Step 2: You will be provided with the premium amount and the core benefits of the plan.
Step 3: Click on Buy Now.
Step 4: Fill in the address details and the nominee details. Further, proceed to payment and fill in your bank details to buy your travel insurance plan online.

Q. What are the benefits of buying travel insurance before an International trip?

Here are 4 benefits of purchasing a travel insurance plan before starting an International trip:

Your travel insurance may cover you for personal liability.
It substitutes for mishaps during the trip, such as theft, burglary, passport loss, etc.
It covers changes during the journey, such as trip cancellations and delays.
Your travel insurance covers you in times of medical emergencies.

Q. Why should I buy a travel insurance plan from Care Health Insurance?

A travel insurance plan from care health insurance ensures comprehensive coverage against medical and non-medical emergencies such as emergency hospitalisation, pre-existing disease, trip delay, trip cancellations, repatriation of mortal remains, etc.

Q. Is travel insurance mandatory to travel to all countries?

Only some countries have mandated the possession of a travel insurance plan to visit the land. However, travel insurance is mandatory for all Schengen visa countries. A Schengen visa is required if somebody wishes to travel to several countries on a single continent. It is mandatory for Schengen visa holders to buy a travel insurance plan.

However, one-time travellers don't need to buy an international travel insurance plan; it is the wisest choice to buy one to cover yourself in case of an encounter with an unforeseen mishap.

Q. What are the things to remember while buying a travel insurance plan online?

Although buying travel insurance online makes the process a lot easier and quicker, here is a list of things to keep in mind:

Check out the plan details comprehensively. Don’t hesitate to reach out to the insurance-providing company.
Always compare your prospect plan with other competitive plans.
Be specific while providing details.
Make sure to mention the pre-existing diseases.
Mention if you are about to visit more than a single destination in one trip.

Q. Can I buy travel insurance after leaving the land of residence?

Only a few insurance-providing companies provide travel insurance once you leave your homeland. Hence, buying travel insurance before starting a new journey. Although you may get a travel insurance plan once you fly overseas, the plan may or may not be valid for your current journey.

Q. Does Care Health Insurance provide travel insurance earlier than 90 days?

At Care Health Insurance, you can buy a year-round travel insurance plan. You can buy the most comprehensive travel plan, i.e. the Explore and get ready to explore the world worry-free for 365 days.

Q. Can I buy a travel insurance plan on my own?

Yes. Technology has made buying travel insurance on your own easier than ever! All you have to do is, visit the website i.e. www.careinsurance.com and click on the “get a quote” button. The next thing you will find yourself doing is filling in the details to get a quote for your plan, and the seamless navigation of the website will take you to your destination (we mean the premium) within minutes.

Q. Is it necessary to take medical tests before buying a travel insurance policy?

Although different travel insurance companies follow different norms while selling a travel insurance plan, you do not have to undergo a pre-medical checkup before buying a travel insurance plan from Care health insurance. However, you will be asked to submit a declaration form that suggests that you have disclosed all/ any pre-existing ailments to your consumer.