Single Trip Travel Insurance

What is Single Trip Travel Insurance?

Planning vacations can be exciting, but if something goes wrong, it can disrupt your entire trip. Incidents like flight cancellations, lost luggage, and medical emergencies can ruin your vacation. Here, single trip travel insurance comes to your rescue. It is a type of travel insurance that provides a safety net for your entire trip i.e. from the time you take off from your home country till your return date.

Simply put, a Single trip travel insurance is the best travel insurance for those who travel once in a while or are planning a one-time holiday or a business trip. Typically, the coverage expires after your trip is over.

Why Choose Single Trip Travel Insurance?

Have you ever wondered what you will do in case you face a medical emergency in a foreign country? Events such as a medical emergency, trip interruption, or theft, are something you would least want to think about on an international holiday. However, these mishaps may creep along at any time during your trip. Therefore, to ensure you are still covered in a safety net and enjoy your vacay worry-free, you must opt for a one trip holiday insurance.

Insurance companies have different caps on the number of days that are counted as a single trip. Generally, it is up to 180 days, which varies from insurer to insurer and the type of plan chosen. It is primarily chosen by people who travel occasionally and need to fulfill compulsory travel insurance requirements set by foreign countries. So, if you are planning one or two vacations in a year, then single trip holiday insurance is suitable for you. It also costs less than a multi-trip travel policy as it is valid for countable days and to a specific country.

What is Covered Under Single Trip Travel Insurance?

Here are the best features of one trip travel insurance plan by Care Health Insurance you can avail of during your trip:

• Trip Delays: One of the most distressing events during your trip, trip delays can happen due to various unforeseen circumstances, such as earthquakes or poor weather conditions. In such situations, single travel insurance covers the  expenses up to a defined limit for each set of 4 hours of delay, subject to the terms and conditions of the policy.
• Trip Cancellation or Interruption: In case you face trip cancellation or interruption due to unavoidable circumstances like natural calamity. Medical emergency, or a terrorist activity, related expenses are covered by us.
• Loss of Documents: Losing a document can be stressful, and in case you lost your documents such as passport, international driving licence, etc. we provide coverage up to a fixed amount on an aggregate basis for getting a duplicate passport in the foreign land.
• Loss or Delay of Checked-in Baggage: Losing your luggage while traveling can be heart wrenching. Therefore, our travel insurance plan provides reimbursement of a fixed amount in case you lost your luggage or in case the luggage is delayed as per the policy’s terms and conditions.
• Return of Minor Child: In case of any mishap during your trip if there’s nobody around to take care of your minor child, our travel insurance plan covers the reasonable expenses incurred during the return of the child back to the home country.
• Automatic Trip Extension: In case you need to extend your overseas trip for a few days due to medical reasons, our travel insurance policy will provide automatic trip extension for up to 7 consecutive days.
• Upgradation to Business Class: During your foreign trip, if you are hospitalised for five consecutive days or more and need to upgrade to business class to return back home, the expenses towards the upgrade will be reimbursed as per the terms and conditions of the policy.
• Hijack Distress Allowance: In case of any unforeseen events like hijack, the policy will provide coverage by providing a fixed benefit for a limited period of time as per policy terms.
• Missed Flight Connection: Missing a pre-booked flight can cause distress, but fret not, our international travel insurance policy will reimburse the expenses related to additional travel expenses or accommodations. 
• Adventure Sport Cover: In case of injury or death while performing life-threatening activities overseas under the supervision of a trained professional, the policy will reimburse up to the sum insured.
• Hospitalisation Cover: In case of any medical emergency overseas, hospitalisation expenses, including inpatient and outpatient care, will be covered by our international travel insurance.
• Daily Allowance for Hospitalisation: In case of hospitalisation of up to five days, the daily expenses will be reimbursed for a specified amount per day and on a per-claim basis. However, a deductible for 2 days is applicable, which you must pay out of pocket.
• Common Carrier Accidental Death: In case of an accidental death of an insured while travelling via common carrier/transport overseas, the lump sum amount is provided by our international travel policy.
• Dental Expenses: Our travel insurance policy also covers injury-related dental expenses up to a specified amount incurred during your trip overseas. 
• 2-Way Compassionate Visit: God forbid, in case you need to be hospitalised while travelling abroad, our international policy will cover the flight expenses incurred by an immediate family to reach you.
• Family Option Discount: International travel policy offered by Care Health Insurance also provides a discount of up to 20% on the premium of additional family members covered under the same sum insured by the same policy on an individual basis.
• Accidental Death/Permanent Total Disability: In case of an accidental death or permanent total disability during your international trip, the policy will provide the compensation for the same.
• Pre-existing Disease Cover: The international travel insurance also provides coverage for pre-existing disease in case of any life-threatening condition.
• Medical Evacuation: In case of any emergency, the policy provides transportation costs for evacuation to transfer the insured to the nearby medical facility within the network.

What is Not Covered Under Single Trip Travel Insurance? 

Before buying an insurance plan, it is crucial to know what is not covered under the policy to make informed decisions, especially if you are travelling overseas and do not want to put your holiday at risk. Here are a few exclusions of a single trip travel insurance plan:

• Any expenses incurred due to false arrest, defamation, wrongful eviction or detention, and shock arose due to these situations.
• Treatment expenses arise due to engaging in hazardous activities, alcohol/drugs, and any expenses incurred to the consequences of war or nuclear perils.
• Any personal liability or criminal charges arising due to unlawful activities.
• Expenses incurred due to the treatment for suicide or self-inflicted injury.
• Treatment of invasive or non-invasive surgery using robotic surgical systems.
• In case of trip cancellation or interruption due to a natural calamity that has not been declared by the government authority.
• Expenses related to beauty, cosmetic surgery or reconstructive plastic surgery.
• Expenses for pre-existing ailment, illness, or surgery.
• Treatment that could have been delayed until the policyholder reaches the home country. 

*For more information, please refer to the policy T&C and prospectus.