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Travel Insurance

Travel Insurance

Travel insurance covers your trips against unexpected medical and non-medical emergencies, loss or delay in checked-in baggage, etc. Some of the other advantages of a good travel insurance cover are as under:

  • Emergency hospitalisation on a cashless network including OPD expenses.
  • Medical evacuation and return to India in an emergency.
  • Coverage for Pre-existing disease.
  • Separate plans for Asia, Europe, USA/ Canada or anywhere across the globe.
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Protect Your Trip from Financial Crisis with Right Travel Insurance

A good travel insurance should be the most important item in your travel checklist if an overseas trip is on your calendar this year. A business trip, a planned vacation or higher education for the countless reasons you may have, you must never forget that it is crucial to secure your trip as an unforeseen emergency can strike at any time during the trip. One may fall sick, get injured, face trip delays, or lose documents or baggage. A travel insurance plan in such a scenario can help you easily manage some major travel-related risks and finances.

At Care Health Insurance, we offer different plans based on your destination including Asia, Europe, USA/ Canada etc. You can buy online travel insurance and get your policy in your mailbox within just a few clicks!

What is Travel Insurance?

Travel insurance is a financial cushion designed specifically to protect you while you travel overseas for various purposes. The plan can help you in unprecedented situations such as emergency hospitalisation, loss of belongings, and/or trip interruptions. Travel insurance works similarly to any other insurance to cover your trips abroad.

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International Travel Insurance

International Travel Insurance with COVID-19 Coverage

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Student Travel Insurance

Secure your trip with Studying overseas

Why is Travel Insurance Important?

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 unplanned expenses 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 this, 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.

how insurance works why choose travel insurance

What are the Types of Travel Insurance?

Now that you know why travel insurance is important, let us elaborate further on the types of travel insurance. There are usually three main types of travel insurance:

International Travel Insurance: International travel insurance is a travel policy that provides comprehensive protection against travel-related uncertainties during any trip. It covers unforeseen medical and non-medical expenses, like in-patient, and out-patient care, loss of passport or checked-in baggage, trip delays or cancellations, etc. For different countries, you can get country-specific travel insurance plans at Care to suit your requirements.

Student Travel Insurance: Student travel insurance is travel insurance specifically designed for students who plan to pursue education from abroad. Customised travel insurance for students keeps them covered financially, thus, allowing them to focus on their studies and be back with good memories.

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.

Schengen Travel Insurance: If you are planning to visit a Schengen region country, you should have travel insurance for Schengen countries. A Schengen Travel Insurance is one of the several mandatory documents you need while visiting one of the 27 European countries.

What is Covered Under Care Travel Insurance?

While you buy travel insurance online from Care Health Insurance, we provide comprehensive coverage as mentioned below:

  • 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: Our travel insurance covers the standardised cost for treatment of health risks due to Covid-19 infection considering the pandemic still possesses new health risks.
  • Accidental Hospitalisation: Our travel insurance policy provides a claim of up to 100% sum insured in case of accidental hospitalisation. We also cover the insured member in case of Accidental Death/Permanent Total Disability.
  • Pre-existing Disease Cover: We ensure that you remain covered in case of an emergency caused due to pre-existing ailments. Thus, we provide appropriate coverage for pre-existing illnesses.
  • 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 insured member loses his/her life while travelling in a common carrier/public transport, the travel insurance purchased from Care will pay a lump sum amount as a 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 you booked got cancelled, it could be disappointing and 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, you first must inform the authorities. Since there, leave everything to us! We will take care of the expenses incurred for availing or retrieving your lost items.
  • Loss of Checked-in Baggage: Losing luggage can ruin any trip. However, when there are such risks involved, having a 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.

For details on the coverage of travel insurance please read out the policy documents.

What is Not Covered under a Care 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 to avoid any last-minute complications. Some must know exclusions in a Care travel insurance is as mentioned below:

  • 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.
  • Expenses due to the treatment of self-inflicted injury or suicide.
  • Any liability related to any professional services offered by the insured.
  • Personal liability of the insured towards another individual (whether personal, official, or commercial).
  • Expenses arising as a result of an insured person engaging in Breach of Law.

Note: The above-mentioned are just a few excluded points from Care Travel Insurance. For more details on plan’s exclusion, please read out policy documents in detail.

What are the Benefits of Buying Travel Insurance Policy

No matter where you are flying off to, having a travel insurance plan can help you travel stress-free. A travel insurance cover from Care Health Insurance is designed specifically to protect you when you encounter a travel-related problem such as emergency hospitalisation, theft, or trip interruptions. Summarising below are the benefits of opting for the best travel insurance online:

  • Protection in Medical Emergency: Suppose during your trip you are stuck in a medical emergency that requires immediate medical attention. In a foreign land where the medical costs are too expensive, travel insurance from Care can be to your immediate rescue.
  • Compensation in case of Mishaps: A sudden demise of a family member is devastating. However, if the traveller is insured with travel insurance by Care Health Insurance, the plan offers compensation to the nominee in case of the insured person's uncertain death.
  • Coverage for Non-medical Contingencies: If you have secured yourself with travel insurance from Care Health Insurance, any trip-related contingencies such as Trip delays and loss of belongings and other documents, will be taken care of under our trip insurance plan.
  • Convenience:Buying travel insurance can save you from last-minute hassles amidst a financial derailment. Not just later, buying travel insurance in itself is a quick and convenient process. Within just a few clicks and taps, you can get your travel insurance online in your mailbox.
  • Multi-Trip Policy: If you are a frequent flyer, our Multi-trip travel insurance can be your travel buddy by providing you high-end benefits at an economical price.
  • Cashless Claim Settlement: Our travel insurance plans come with a faciltiy of cashless claim settlement across hospitals worldwide.
  • Region-specific Plans: We provide region-specific plans such as Travel Insurance for Canada, Travel Insurance for Thailand, etc. to ensure that you get the most-precise coverage benefit at a pocket-friendly budget.

How does Travel Insurance Benefit the Elderly?

Your elderly are more prone to encounter sickness and health-related issues while in a foreign country. The difference in time zones, climatic changes and change in the environment, everything may trigger the weak immune system of the senior citizens. Thus, if you are flying off to a foreign land with your elderly parents or grandparents, it is very much important to secure your trip budget with travel insurance for senior citizens.

Senior citizen travel insurance is a plan designed to cover medical and non-medical emergencies of senior citizens during their overseas trip. The plan essentially covers conditions such as pre-existing disease, emergency evacuation etc.

How Many Members Can You Insure in Our Travel Insurance?

By buying Care travel insurance, you can insure from as little as an individual to as many as 6 family members. Mentioned below are the type of travel insurance that you will need:

Individual Travel Insurance: Individual travel insurance is a travel cover designed specifically for an individual. Like other travel insurance plans, individual travel insurance can also be customised per the individual’s specific requirements.

Family Travel Insurance: If you are planning to visit abroad with your family, then family travel insurance is what you need to secure yourself and your immediate family from an emergency en route. By buying a family travel insurance, you can cover up to 6 immediate family members. The plan also ensures that you do not have to buy standalone travel insurance for each travelling member.

How Many Trips Can You Cover in One Travel Insurance Policy?

Here’s the good news. With the travel insurance bought from Care Health Insurance, you do not have to worry about the number of trips that you can cover in a plan. We help you buy travel insurance based on the type of traveller you are. If you are travelling for the first time and do not plan to travel in the near future, you can opt for a single-trip travel insurance whereas, if you are a frequent traveller a multi-trip travel insurance is what you may need.

Single-trip Travel Insurance: A single-trip travel insurance is the most suitable for individuals who travel once in a while or are travelling for a short business trip. Single-trip travel insurance is usually limited to just some days; however, the trip can be extended in certain cases.

Multi-trip Travel Insurance: If you are a frequent traveller, then Multi-trip travel insurance is what you need to cover all your trips year-round. A multi-trip plan’s validity lasts for up to 1 year with a specific cap on the travel duration.

What are the Eligibility Criteria for Buying Care Travel Insurance?

Before buying travel insurance online , 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
International Travel Insurance The insured member’s minimum age should be at least 01 day; however, the maximum age may vary from plan to plan.
Student Travel Insurance The plan is available for a student wishing to pursue higher education in a foreign land where the insured member(s) should be aged between 12 years to 40 years.
Family Travel Insurance The plan can be bought only for Single-trips where up to 6 family members can be covered under a single travel insurance plan.
Single-trip Travel Insurance The minimum entry age for people buying single-trip travel insurance can be 1 day whereas there is no age bar for the maximum age.
Multi-trip Travel Insurance The minimum entry age to buy multi-trip travel insurance can be 1 day, and there is no age bar for the maximum age.

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 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.

How to Buy Travel Health Insurance Online?

To buy travel insurance online, you have to follow the below-mentioned steps, submit information such as name, age, passport number, and the nominee’s details and make the requested payment in online mode.

Step 01: Visit the official care insurance website and navigate the travel insurance dropdown. Select the country you wish to visit. Note: Select student travel insurance if you are a student and are travelling abroad for higher education.

Step 02: Once on the desired page, navigate to the right side of the screen and enter your phone number and click on “calculate premium” button.

Step 03: Follow the flow of the form and provide details such as the proposer’s age and insured member(s) details in the designated columns.

Step 04: Proceed further and select if the insured members suffer from any pre-existing disease. Select the desired amount of sum insured and proceed further.

Step 05: Once you click on the “get a quote button”, the premium amount will appear on the screen with the important USPs of the plan. Proceed to make the online payment and save a receipt for further reference.

What is the Claim Process for Care Travel Insurance?

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

claim process claim process

Why Should You Compare Travel Insurance Online?

Your overseas trip can be a rewarding experience if you have planned it carefully and secured it with an appropriate travel insurance plan. Likewise, as important as it is to secure your trip with the right plan, it is equally important to compare various travel insurance plans available online before making the right decision.

One reason why you should compare various plans is the coverage of the plan. Various plans from the best travel insurance companies may provide varied coverage for different premium amounts. You should choose the one most suitable to you.

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, you can 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.

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. A 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 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 travel insurance 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.

Is Travel Insurance Mandatory For Every Trip?

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 trip insurance beforehand to avoid inconvenience.

FAQs on Travel Insurance

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

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. 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 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.

Q. Do I get a refund in case of trip cancellation if I get trapped in an emergency?

Yes. Your travel insurance plan covers you for all the trip delays and trip cancellations as per your sum insured or as discussed in your project.

Disclaimer: ^^Number of Cashless Healthcare Providers till 31st Dec 2022.


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