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Travel insurance policies help you secure your trip against medical and non-medical emergencies that may arise out of the blue.

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Written by:
Rashmi Rai
Rashmi Rai
Rashmi Rai
Insurance Specialist

Rashmi is an insurance specialist with a passion for storytelling. As an insurance sector wordsmith, she brings out a unique perspective and seamlessly explains the mundane terminologies of insurance. Apart from talking about insurance, Rashmi is an avid reader who finds it fun to explore various health and travel topics and explain it to our audience through our platform.

Reviewed by:
Sundeep Desamsetti
Sundeep Desamsetti
Sundeep Desamsetti
Head Product Development Care Health Insurance

Sundeep plays a major role behind creating Care's most comprehensive insurance products. With over 9 years of total experience and multiple degrees specific to the insurance sector, Sundeep is yet another mastermind who ensures that you read well researched blogs and articles on our website.

What is Travel Insurance?

Imagine planning an international vacation and having to cancel it due to an unforeseen medical inconvenience. Sounds disheartening, right?

Not just emotional heartbreak, such cancellations also bring financial losses. Here, travel Insurance can come in as a safety layer, safeguarding your trip.

Travel insurance is a tool that provides financial security in the event of medical, non-medical, and trip-related emergencies. The insurance policy covers unforeseen trip cancellations, trip delays, loss of checked-in baggage, medical emergencies, and even trip nuisances, such as personal liability. Best travel insurance in India typically covers your trip from the moment you depart from your home country until the time you return. Travel health insurance plans are mainly of two types– domestic and overseas travel insurance. Keep reading through to understand the features, coverage, exclusions and more about overseas travel insurance.

Select from the Best International Travel Insurance Plans

  • ExploreTravel Insurance Plan for Cross-border Trips
  • Student ExploreTravel Insurance to Secure Your Study Trip Abroad
  • Student Explore-Health UnlimitedTravel Insurance With Unlimited Healthcare Coverage

Explore

  • Coverage for Pre-existing Diseases in Life-threatening Conditions
  • Trip Cancellation & Interruption Cover
  • Loss of Baggage Covered
  • Automatic Trip Extension in Medical Emergency
  • Cover Amount$50,000
  • Starting At₹28.98/day

Student Explore

  • Medical coverage extended to the country of residence
  • Coverage for Study Interruption
  • Medical Evacuation
  • University Insolvency
  • Cover Amount$5,00,000
  • Starting At₹62.88/day

Student Explore-Health Unlimited

  • Unlimited health coverage in the US & Canada
  • Coverage for adventure sports
  • Inpatient & outpatient hospitalisation
  • Acceptable across most universities in the US & Canada
  • Cover AmountUnlimited Health Coverage
  • Starting At₹824/day

Why Choose Care Health Insurance for Your International Trip?

No matter where you are flying off to, having a travel insurance plan can help you travel stress-free. Below are the benefits of purchasing a travel insurance policy from Care Health Insurance:

why choose travel insurance

Benefits of Travel Insurance

From protecting your trip against medical emergencies to ensuring you are covered in the event of trip delays, travel insurance offers several benefits. Let’s have a quick look at how online travel insurance benefits your international trip.

Note: Coverage for common carriers, including cruises, flights and trains, is subject to the policy's terms and conditions. It applies only to incidents occurring during the insured's journey on a licensed common carrier, including air, sea, or land transport. Exclusions and limitations may apply based on the nature of the event and specific policy provisions.

Types of Travel Insurance

Travel insurance plans are broadly divided into 6 categories. Let’s have a quick look at the common types of travel insurance available in India.

A Note from the Expert’s Desk

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What is Covered under Care Travel Insurance Plans?

  • Medical
  • Non-Medical

Being aware of the coverage is especially important when purchasing travel insurance online. Read through to know the primary coverage of the International travel insurance plan from Care Health Insurance.

Emergency Hospitalisation Cover

In case of any unforeseen situation that requires immediate medical assistance, our travel insurance plan offers financial coverage for IPD and OPD facilities.

Accidental Hospitalisation

Our travel insurance policy covers up to 100% of the sum insured in case of accidental hospitalisation. We also cover the insured member in case of Accidental Death or Permanent Total Disability.

Pre-existing Disease Cover

We ensure that you remain covered in case of life-threatening emergencies caused due to pre-existing ailments.

Treatment in Home Country

If treatment is extended to the home country, the expenses will be covered for 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 on a public transport, such as an aeroplane, cruise, or train, the travel insurance purchased from Care Health Insurance shall pay a lump-sum amount as compensation.

Dental Treatment

Expenses arising from treatment taken for pain incurred in the natural sound teeth shall be covered if it can not be delayed till your return to the home country.

Repatriation of Mortal Remains

The travel insurance policy will cover the costs of transporting the insured's mortal remains in the event of the insured's death.

Trip Delay, Cancellation, or Interruption

The financial loss due to an unavoidable trip cancellation can be a burden. However, with travel cancellation insurance, trip delay, cancellation, or interruptions are no longer a headache for you—we cover them, too!

Loss of Travel Documents

If you lose your passport or international driving license in a foreign country, you must first file a complaint and then apply for the documents at the nearest consulate. While you apply for a reissue of your passport and other documents, we will cover the expenses incurred in retrieving your lost items.

Loss of Checked-in Baggage

Losing your luggage can ruin a trip. Here, having travel insurance becomes crucial, as it covers losses by reimbursing incurred costs in accordance with the policy terms and conditions.

Up-gradation to Business Class

If medically necessary, we cover you for an up-gradation to business class; you will receive coverage of a specified amount under our travel insurance policy.

Missed Flight Connection

Missing a flight can incur additional accommodation costs. However, there is no need to worry about the financial burden, as these expenses will be reimbursed under your online travel insurance policy.

Automatic Trip Extension

If your trip is extended due to unavoidable circumstances, you need not worry about unexpected expenses, as you can avail of trip extension benefits for up to 7 consecutive days under your overseas travel insurance.

Personal Liability

The travel insurance policy will safeguard the insured if any personal liability arises due to an accidental injury or property damage to a third party.

Adventure Sports Cover

If you opt to participate in an adventure sports activity under the supervision of an expert, travel insurance covers the expenses, subject to policy terms and conditions.

Hijack Distress Allowance

A hijack would be the last thing you would want to bring to your mind when planning an international trip! Therefore, while preparing for the unplanned, Care Health Insurance offers coverage for Hijack distress in its travel insurance plans.

What is Not Covered Under Care Travel Insurance?

Knowing the exclusions under your travel insurance policy beforehand helps you avoid surprises at the last minute. Reading through the policy documents helps you avoid any misconceptions and also offers peace of mind when you are stranded in a foreign land.

Additional Coverage Under Travel Insurance Plans

As you secure your international trip, certain coverage may be optional. For instance, if you are travelling to a visa-free country, you need not pay the premium for visa rejection coverage under your policy. Therefore, insurers deem such benefits as optional add-ons and may offer them as benefits only under region-specific plans. Let’s have a look at the major add-ons in our travel insurance policy.

Key Features of a Comprehensive Travel Insurance Policy

A foreign travel health insurance from Care Health Insurance offers destination-specific coverage to meet the insured’s medical and non-medical needs while travelling abroad. Below are the features of one of the best travel insurance policies in India.

Coverage International Travel Insurance Student Travel Insurance
Destination-specific plans
Hospitalisation expenses
Pre-existing disease
Repatriation of mortal remains
Accidental death
Loss of checked-in baggage
Trip cancellation
Study interruption
Trip interruption
Automatic Extension
Upgradation to business class
Hijack Distress Allowance
Compassionate Visit
Maternity Coverage#
Treatment for Mental Disorders

#The maternity and newborn benefits are available as optional benefits under student travel insurance.

Travelling with Pre-existing Diseases?

Safeguard your trip finances with a plan that covers life-threatening conditions due to PED.

How Does Travel Insurance Work?

  1. Understand the Coverage: As a wise traveller, you must look for the best travel insurance in India. Compare multiple plans and understand their coverage, terms, and exclusions.
  2. Provide Details: Once you have shortlisted the best online travel insurance for yourself, you must submit your trip details and other insurer details for the successful activation of the policy.
  3. You Buy the Plan: After carefully assessing and entering the accurate information, you pay the premium and purchase your foreign travel health insurance.
  4. Emergency Assistance: While you are on your international adventure, the travel protection provides 24/7 emergency assistance via the insurer’s helpline.
  5. Medical Coverage: God forbid, if a medical emergency occurs, the cashless travel insurance covers medical expenses at the nearest network healthcare provider. If you need outpatient department medical assistance, you can avail yourself of reimbursement for the costs incurred.
  6. Trip Delay/Cancellation: During the trip, if you are stranded due to unforeseen delays or cancellations, you can file for reimbursement of non-refundable costs under your travel cancellation insurance.
  7. Lost or Delayed Baggage: If your checked-in baggage goes missing under the policy conditions, you can file a reimbursement claim for the same.
  8. File a Claim: If expenses due to an untoward event arise during your trip, you can file a reimbursement claim by submitting the claim form and the supporting documents under the travel insurance.
  9. Claim Assessment: The Insurer shall then review your claim to verify the eligibility of your claim.
  10. Claim Settlement: Once the claim is approved, the amount is credited as a reimbursement or a direct payment.

In case of rejection, you will be provided with the reasons for claim rejection.

Documents Required to Buy Travel Insurance

Purchasing travel insurance online can be a smooth process if you know what will be required. Here’s a list of documents you may need when purchasing travel insurance online.

Proof Eligible Document
Id proof Aadhaar card, voter ID, driving license, or passport
Address proof Aadhaar card, passport, driving license, voter ID etc.
Financial statement Bank statement or other proof of income
Medical fitness proof Medical certificate for fitness if required.

Please note that the documents required for travel insurance may vary depending on the travel insurance company you choose.

Eligibility Criteria for Buying Travel Insurance Online

The eligibility criteria to purchase a travel insurance policy at Care Health Insurance may vary depending on the type of plan you opt for:

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 is 1 day for children and 18 years for Adults.
  • The maximum age band for children is 24 years while there’s no maximum age cap for adults.
Multi-trip Travel Insurance
  • The minimum entry age is 1 day for children and 18 years for Adults.
  • The maximum age band for children is 24 years while there’s no maximum age cap for adults.

How to Choose the Best Travel Insurance Coverage?

To choose the best medical travel insurance online, you must be sure about your requirements from the plan. Here are a few tips that can help you select the best travel and health insurance for your international trip.

  1. Evaluate Your Requirements: Knowing your needs such as required coverage amount, number of insured members, and coverage type can help you choose the right insurance for your travel.
  2. Compare Coverage Options: To buy online travel insurance the right way, you must always compare plans offered by multiple insurance providers. Then, choose one that best suits your coverage needs.
  3. Add Appropriate Add-ons: Every travel insurance coverage comes with certain add ons that can help boost your coverage. When choosing a travel insurance plan, always evaluate if there are add-ons to enhance your coverage.
  4. Review the Exclusions: Knowing the exclusions of a travel insurance can help you understand the coverage umbrella you would be under. This in the future prevents last-minute surprises.
  5. Understand the Claim Process: Looking for an easy claim process can help you stay at ease when you are stranded amidst an emergency.

How to Calculate Travel Insurance Premium?

You can follow the steps mentioned below and use our travel insurance premium calculator to estimate the travel insurance cost of your policy.

How to Buy Travel Insurance Online?

You must follow the steps as mentioned below to purchase travel insurance online:

  1. On the quote page, evaluate the sum insured and coverage offered and then click on the Buy Now button.
  2. On the newly appeared page, apply for customer KYC, fill out the proposer details, and press the “Next” button when you are done.
  3. On the next pages, fill in the insured member’s details and disclose the medical history, if any.
  4. Finalise your purchase by making the payment. The policy documents will be shared via the registered email ID and phone numbers.

Factors Affecting Travel Insurance Premium

There are several factors that contribute to travel insurance premiums. Some of the factors are represented below:

How to File a Claim under Travel Insurance Plans?

At Care Health Insurance, we partner with Falck to help you stay covered across the globe. In the USA and Canada, we are powered by the UnitedHealth Group (UHG) in partnership with Falck to ensure an easy claim process. Our claim team here in India ensures that filing a claim is no longer a cumbersome task.

  • Cashless
  • Reimbursement

Locate a Network Hospital & Intimate Us

Immediately inform us about the medical emergency, on any of the following touch points: If you are in the US or Canada: Call Us at: +18443013135/ +18443013146

From the rest of the world: Request a call back facility: +911244498760, Fax: +91 124-4006674

Or you can mail us at: Email ID: travelassistance@careinsurance.com

Inform us within 24 hours of emergency hospitalisation.

Get Admitted & Get The Treatment Started

Provide the policy details and submit the pre-authorisation request at the hospital's TPA desk.

Get Treated and Discharged

Get treatment and get discharged while we settle the claim directly with the hospital.

Intimate the Claim

To file a claim after your return to India, reach out to us at:

Toll-free Number: 1800-102-4488 Fax Number: 1800-100-5577

Email ID: travelassistance@careinsurance.com

Address: Care Health Insurance Limited, Tower C, 3rd Floor, Vipul Tech Square, Golf Course Road, Sector 43, Gurugram, Haryana-122009

Provide Complete Documentation

Provide complete documentation, including the event summary, receipts and other additional documents as asked by your insurer.

Claim Gets Reviewed & Settled

Based on the information provided, our claim team reviews the case and provides the settlement for the eligible scenarios.

How to Extend a Travel Insurance Policy Online?

You need not worry about the extension of your online travel insurance if you have to extend your stay due to reasons beyond your control. The travel insurance from Care Health Insurance offers automatic trip extension for up to 7 consecutive days if you have to extend your stay due to reasons such as your or your companion’s hospitalisation, death of one of the insured members, natural calamity, rescheduling of flight, etc.

However, if you wish to extend your stay for other reasons, below are the steps to follow to get your policy extended.

Travel Safety Tips and Precautions for International Travellers

Overseas travel may bring along surprises. While you must be open to the ones that will give you a lifetime of memories, being prepared for the nightmares is also wise. So, here are a few tips that can help you stay safe during your international travel.

  1. Check passport and visa requirements: While planning your trip, ensure your passport is valid for at least 6 months after your return date. Look up the visa requirements of your destination country.
  2. Keep medications: If you are on prescribed medication, keeping them handy (usually in your cabin baggage) is wise. Also, make sure your doctor and your insurer know that you are travelling with a medical condition.
  3. Research local laws and customs: Researching and familiarising yourself with the local customs and etiquette of the destination country helps you avoid unintentional offences.
  4. Know the legal restrictions: Certain destination countries may have restrictions related to alcohol, drug consumption or different traffic rules than in your home country; make sure to look up such information to avoid being a nuisance.
  5. Cross-check journey details: Double-check for flight timings, entry and exits at the airport and any layovers beforehand. Confirm your hotel or accommodation bookings in advance, especially during peak travel seasons.
  6. Note emergency contacts: Familiarise yourself with the emergency contact numbers of the country you are visiting (e.g., police, ambulance, etc.). Know where your country's embassy or consulate is located to know where to go in emergencies.
  7. Have travel insurance: Last but not least, secure your trip with a comprehensive travel insurance plan offering medical and non-medical coverage. Whether you are a student travelling for higher studies or someone travelling alone, the right type of travel insurance will keep you covered in emergencies.

Travel Insurance Terminology Explained

Understanding the coverage, exclusions, and terms & conditions of a travel insurance policy becomes easier when you are aware of the common terminologies used in the documents. Let’s have a look at some of the terminologies that you’ll come across while reading the policy documents.

  1. Trip Duration: In travel insurance, trip duration is the time between your trip start and end date.
  2. Accommodation: Any property that charges a fee for a temporary stay is known as accommodation.
  3. Return Ticket: A common carrier ticket that helps a person travel from their home country to another and then return back to their home country.
  4. Companion: An individual who travels accompanies you since the start of the trip or joins the insured during a medical emergency.
  5. Sub-limit: It is the limit up to which an insurer agrees to pay for certain coverage. The insured shall have to pay out-of-pocket expenses beyond this limit.
  6. Deductible: A deductible is the amount up to which the insured member pays out of pocket before the insurer starts to pay for the expenses.
  7. Common Carrier: Any land, air, or water mode of transportation with a license for the transportation of fare-paying passengers is known as a common carrier.
  8. Congenital Anomaly: Any health condition present since birth is known as a congenital anomaly. Congenital anomalies are generally not covered under medical travel insurance.
  9. Checked-in Baggage: Any luggage offered by the insured member and accepted by the common carrier for custody is known as checked-in baggage.
  10. Dependent Child: A child below the age of 25 who is financially dependent on the policyholder.
  11. Immediate Family Member: The lawful spouse, children, or parents count as the immediate family members of an insured member.

Overseas Travel Insurance: Plans for Popular Destinations

Planning for an international vacation in the coming year? Whether you are a solo traveller or are travelling with family, secure your next trip with these region-specific travel insurance plans from Care Health Insurance.

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FAQs on Travel Insurance

  • General
  • Travel Insurance Terms
  • Coverage
  • Claim

Q. What is a Pre-existing Condition?

Pre-existing conditions in insurance refer to illnesses prevailing with the patient before the purchase of insurance.

Q. What is Deductible?

A deductible is a portion of your claim you must pay while the insurance company pays the rest.

Q. When does travel insurance become effective?

Your travel insurance becomes effective from the date your trip starts. If you take additional coverages, such as a refund of the visa fee or trip cancellation insurance, then the travel insurance comes into effect just after you buy travel insurance.

Q. What is the age category for applying for travel insurance?

Typically, there is no minimum or maximum age limit to get insured under a travel insurance policy. However, if the insured member is below 18, they will need a proposer who is 18 or above.

Q. How close to your trip can you buy travel insurance?

You can buy travel insurance online until the last minute of taking off for your flight! However, it is always suggested that travel insurance from various insurance providers be compared carefully and then purchased as soon as you decide to book tickets for your journey.

Q. How much does travel insurance typically cost?

The premium of travel insurance may vary depending on various factors. The age of insured members, the destination you are travelling to, frequency of trip, duration of the trip, pre-existing medical conditions, etc. are a few factors to be named that affect the premium of travel insurance plans.

Q. How long does travel insurance last?

Annual travel insurance lasts up to 365 days from the start date. Single-trip travel insurance may last for as many days as you plan your trip to be. Suppose you plan a 30-day one-time visit trip to a country, then your travel insurance may last for up to 30 days.

Q. Can I buy travel insurance during my trip?

Once you embark on a new journey, you can not purchase a travel insurance policy to secure your current journey.

Q. Is it necessary to buy travel insurance for every long trip?

Travel insurance is not mandatory while travelling across borders. However, you should always secure your journey with a travel insurance plan.

Q. Are there different types of travel insurance based on needs?

Yes. Based on a traveller’s unique travelling needs, travel insurance is of different types. Family travel insurance, student travel insurance, standalone travel insurance, and travel insurance for senior citizens are a few types of travel insurance mentioned.

Q. Can I buy an annual travel insurance plan?

Yes. If you plan to take multiple trips throughout the year, you can simply cover all your trips under multi-trip travel insurance.

Q. Is it better to buy travel insurance per trip or annually?

You should buy travel insurance depending on whether you will take multiple trips or a single trip in the coming year. If you don’t have plans to take multiple trips, then single-trip travel insurance is the best option. However, if you are willing to take multiple foreign trips, then you should opt for multi-trip travel insurance.

Q. Can I buy travel insurance online?

Yes, you can opt for Care Travel insurance online through the official Care Insurance website.

Q. If I am travelling to multiple countries as a part of my one trip, do I need two overseas travel insurance plans?

No, you do not need to purchase multiple travel insurance plans. You can buy a single travel insurance policy for the entire duration of the trip.

Q. What is the difference between travel & health insurance?

A travel insurance covers you amidst emergencies that may arise during your foreign trip. Whereas, a health insurance plan covers any health emergencies that may arise during a policy year.

Q. What is Cashless Settlement in Travel Insurance?

If you are eligible for cashless claim settlement, your insurance company shall directly pay for your losses to the third party. Travel insurance providers generally provide cashless settlement benefits in emergencies such as hospitalisation.

Q. What is a Foreseeable event?

Any event that can be predicted or is known to happen is foreseeable. Travel insurance usually does not cover expenses incurred due to foreseeable events.

Q. What is an Insured Period?

An Insured period is the time period that is covered by insurance. For instance, if you purchase travel insurance effective today to the next six days, The seven days in which the policy is effective is the insured period.

Q. What is Inclement Weather?

Severe wet and cold weather is known as Inclement weather.

Q. What is a Travelling Companion?

The person travelling with you on a journey is known as your travelling companion. Your travel companion may/ may not be your immediate family member.

Q. What is an Insured Journey?

Insured journey is a term that refers to a trip that has been covered with a travel insurance plan.

Q. What is a Common Carrier?

A commercial means of transportation that transports people and goods from one place to another. In travel insurance, aircraft are usually referred to as common carriers.

Q. What is Co-payment?

Under Co-payment, the insured member has to pay a certain percentage of each claim.

Q. What is Personal Liability?

Personal liability is usually incurred when you accidentally hurt or harm a third party. Your travel insurance shall cover your expenses for personal liability if it is caused unintentionally and does not include a breach of law.

Q. What is Medical Evacuation?

The arrangements made to port the patient to the hospital or the home country are known as Medical Evacuation.

Q. What is Missed Flight Connection?

Missed connection refers to when you miss your connecting flight during an international trip.

Q. Does travel insurance cover travel warnings?

Travel insurance does not cover trip cancellations and other expenses incurred due to pre-announced warnings and advisories.

Q. Can travel insurance cover illnesses?

Yes. Travel Insurance covers emergency medical conditions while you are on a journey to a foreign country. Additionally, the plan also covers adversities encountered due to previously informed existing medical conditions.

Q. Do travel insurance policies cover coronavirus?

Yes. Care's Travel insurance covers hospitalisation incurred due to coronavirus infection.

Q. Does travel insurance cover theft?

Yes. Care Travel insurance covers expenses incurred during the theft once you depart from your home country.

Q. I had to cancel my trip for personal reasons, but I already got travel insurance. Can I get a refund?

If you have cancelled your trip for undeniable medical reasons you might get a claim. However, if you file a claim for casual trip cancellation, your claim might get rejected.

Q. How long do travel insurance claims take?

At Care Health Insurance, the travel insurance claim typically takes 10-15 working days for settlement.

Q. What is the Claim Process for Care Travel Insurance?

You can file a claim for Care travel insurance online by scanning & uploading the claim documents at the Care Health Insurance ‘Self-Help Portal’. You can also download the Care Health-Customer App to be able to do the same.

Q. What should I do if my claim is denied?

Sometimes, your claim can be rejected due to wrong information, exclusions, waiting periods, etc. In such cases, you can write an appeal letter, and you will get a reply to your query.
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Explore: UIN - RHITIOP20134V031920

*In case if an insured member encounters a life-threatening condition due to a pre-existing disease during the trip, then the policy offers coverage up to a specified limit given that the PED is informed at the time of policy purchase.

##The life-threatening pre-existing diseases are covered up to 10% of the sum insured (max. up to $30,000) if disclosed during policy purchase.

^^Number of Travellers Served till Jan'25

**Number of Claim Amount Paid as of Apr'25

~Upgradation to business class benefit shall be covered in a medical emergency, if prescribed by a medical practicioner

^Family members on the same policy with the same sum insured receive discounts on the premium of additional members covered: 2 members 5%, 3 members 10%, 4 members 15%, 5 members 17.5%, 6 members 20%.

1 In a medical emergency, the insurer reimburses the cost of return economy-class ticket for the most direct route for an immediate family member if the medical condition raises the necessity.