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Travel Insurance

Travel Insurance

Travel insurance secures your trip against unexpected medical and non-medical emergencies, loss or delay in checked-in baggage, etc. Here are some important benefits of travel insurance:-

  • 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 globally
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Secure Your Trip with Travel Insurance

A good travel insurance should be the most important item in your travel checklist if any 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 Travel 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! Now, what is travel insurance, you may wonder.

Travel insurance is a financial cushion designed specifically to protect you while you travel 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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Look for best travel plan that suits your need!

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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

Care’s Travel Insurance: Plan at a Glance

At Care, we provide the best travel insurance. The destination-specific plans are separately designed to meet the needs of students and other individuals travelling abroad. Mentioned below are a few key coverages under Care’s Travel Insurance.

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

Why Choose Care Travel Insurance?

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 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 travel insurance from Care:

how insurance works why choose travel insurance

What is Covered by Care Travel Insurance?

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

  • Emergency Hospitalisation Cover: In case of any unforeseen situation that requires hospitalisation, our travel insurance plan provides you travel insurance cover 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 travel insurance cover 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 travel insurance 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 travel insurance 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 insurance 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 insurance 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 travel insurance will be extended up to a specified number of days.
  • 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.


Although a travel policy covers several medical and non-medical expenses, many risks may not get covered. Checking the exclusions under travel insurance coverage is beneficial 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
  • 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

Types of Travel Insurance Plans in India

Explore the wide range of travel insurance options and be at peace because, we cover you for most of your unique needs. Your adventure-awaits, and we're here to make it a memorable one with our comprehensive travel insurance plans:

Health Insurance for Family

International Travel Insurance

International travel insurance is a policy that provides comprehensive protection against travel-related uncertainties during an international 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. You can get country-specific international travel insurance plans at Care to suit your requirements for different countries.

Protect Your Trip
Health Insurance for Family

Student Travel Insurance

Student travel insurance is designed to cover the unique needs of students planning to pursue higher education in a foreign country. The plan typically covers travel-related contingencies such as trip interruption, medical emergencies, liabilities etc., during a student's study venture to ensure they remain covered. Being covered with travel insurance allows them to focus on their studies and return home with success and great memories.

Shield Your Studies
Health Insurance for Family

Group Travel Insurance

Group travel insurance benefits those travelling in groups. The plan bought from Care is a comprehensive yet affordable cover that covers each and every individual travelling in a Group. The plan provides coverage against unforeseen contingencies such as emergency hospitalisation, trip interruptions, loss or theft of belongings etc., to each secured member of the group.

Secure Your Group
Health Insurance for Family

Schengen Travel Insurance

If you plan to visit a Schengen region country, you will be required to apply for a Schengen Visa, and, for a Schengen visa, it is mandatory to have Schengen travel insurance with appropriate coverage. Moreover, Schengen travel insurance also ensures coverage against trip-related medical and non-medical expenses while you are on a trip to one of the 27 European countries.

Insure and Explore

Eligibility Criteria for Buying Travel Insurance from Care

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 Buy Travel Insurance Online from Care?

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.

Documents Required for Travel Insurance

You may not be asked to submit a long list of documents if you purchase travel insurance online. However, as listed below, a list of documents may be required while proceeding with the KYC (Know Your Customer) procedure.

  • A government-approved ID proof such as an Aadhar card, voter ID, driving license, or passport.
  • An address proof such as electricity bill, water bill, aadhar card, etc.
  • Bank statements or any other income proofs shall also be required.
  • A medical certificate must be required in certain cases.

Please note that the documents required for travel insurance may vary from insurer to insurer based on the type of travel insurance you purchase.

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

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.

While buying travel insurance online, you may encounter technical terms that may confuse you and distract your purpose of securing your trip. Below are a few terms you should know while buying travel insurance:

  • Cashless Settlement: 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.
  • Reimbursement: Under the reimbursement benefit, the insured member has to pay for the expenses first and can claim for the expenses later using the receipts.
  • Sum Insured: The maximum amount the insurance company will pay during your trip is the sum insured by the travel insurance plan.
  • Deductible: Deductible is a portion of your claim you must pay while the insurance company pays the rest.
  • Sub-limit: Sublimit is a limited amount your travel insurance will pay for a claim. Claims incurred above the sub-limit shall be paid from the insured member’s pocket.
  • Medical Evacuation: The arrangements made to port the patient to the hospital or the home country are known as Medical Evacuation.
  • Annual travel insurance: Travel insurance designed for individuals who take multiple trips in a year is known as Multi-trip or Annual travel insurance.
  • Missed Connection: Missed connection is used when you miss your connecting flight during an international trip. Under travel insurance, you get covered for a missed connection if you miss your connecting flight due to covered reasons.
  • 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.
  • Co-payment: Co-payment is a travel insurance of benefit under which the insured member has to pay a certain percentage of each claim.
  • 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.
  • Equipment Failure: Equipment failure is a condition when a piece of equipment does not function as intended. In travel insurance, equipment failure represents a failure of a part of aircraft.
  • Free look-up period: Free look-up period in insurance is when you can read all the policy documents carefully and may cancel the policy if you do not find the plan’s coverage and benefits useful. A free look-up period in travel insurance can be utilised only before the trip start date. If you purchase travel insurance at the last minute, you may not avail of the free look-up period benefit.
  • Immediate Family Member: Blood relatives and spouses are usually called immediate family members. Your immediate family members include your siblings, parents, children and spouse.
  • Insured Journey: Insured journey is a term that refers to a trip that has been covered with a travel insurance plan.
  • Insured Person: A person who can avail benefits of an insurance plan is known as an insured person.
  • Medical Expenses: Expenses incurred while getting treatment at a hospital are medical expenses.
  • Pre-existing Condition: Pre-existing condition in insurance is used to refer to illnesses that have been prevailing with the patient before the purchase of insurance.
  • 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.
  • Inpatient Care: Healthcare facilities provided to patients within the hospital premises are categorised under In-patient care.
  • Inclement Weather: Severe wet and cold weather is known as Inclement weather.
  • Insured Periods: Insured period is the time period that is covered by insurance. For instance, if you purchase travel insurance effective from today to the next six days. The seven days in which the policy is effective is the insured period.
  • 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.

FAQs on Travel Insurance

Q. Does travel insurance cover travel warnings?

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

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 to apply for travel insurance?

Typically, there is no minimum or maximum age limit to get insured under 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 to compare travel insurance from various insurance providers carefully and then purchase as soon as you decide to book tickets for your journey.

Q. Does travel insurance cover cancellation?

Our Travel insurance covers expenses incurred under trip cancellation given that the trip has been cancelled under the policy’s terms & conditions.

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. Whereas, 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 travel insurance policy to secure your further 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 as per 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 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. Can I buy an annual plan of travel insurance?

Yes. If you are planning 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. Would travel insurance cover me anywhere?

Yes. Travel insurance from Care Health Insurance covers you amidst medical and non-medical emergencies.

Q. Can I buy travel insurance after I depart from India?

No. You cannot buy travel insurance once you leave your home country.

Q. Do travel insurance policy cover coronavirus?

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

Q. Should I buy travel insurance more than a year out?

If you plan to pursue higher education and are purchasing student travel insurance, you can buy a policy that covers your complete journey.

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. Does travel insurance cover theft?

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

Q. How do I get a travel insurance with COVID-19 coverage?

India's Insurance Regulatory and Development Authority has mandated all travel insurance companies to provide basic coverage for expenses incurred due to Covid-19 infections. Considering this, Care Health Insurance provides travel insurance with Covid coverage to cover expenses incurred due to Covid-19 infection.

For details on travel insurance coverage, please read policy documents thoroughly.


#You can avail the maternity and new born benefits as an optional benefit under the student travel insurance.

^^Number of Cashless Healthcare Providers as of 30th June 2023.

**Number of Claims Settled as of 31st May 2023

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