Travel Insurance

Travel Insurance

Before setting off on a trip, you do your best to ensure everything goes exactly the way you plan. Unfortunately, even the most circumspect travelers become callous when it comes to buying travel insurance. Buying a travel cover is imperative as it is your safety net against unforeseen circumstances and crippling costs following them.

Do not let anything interfere with your perfect itinerary by getting comprehensive travel coverage.

Types of Travel Insurance Coverage:

There are different types of coverage available, and you can compare travel insurance and choose the one that suits best for your specific needs.

Domestic travel insurance

Domestic travel insurance provides coverage for medical emergencies, permanent disability and death, checked-in lost/stolen baggage, travel delay and personal liability for domestic travel.

International travel insurance

International travel insurance gives a comprehensive coverage for medical expenses overseas, hijack, baggage and travel delays, repatriations or evacuation back to India and loss of travel documents/passport besides the usual coverage.

Corporate travel insurance

Under corporate travel insurance India, employees of an organization can get coverage for both international and domestic trips.

Student travel insurance

There is minimum paperwork involved in student plans. The coverage is comprehensive and provides for expenses incurred on medical treatment, passport loss and study interruptions.

Senior citizen travel insurance

Senior citizen insurance is for people who belong to the age group 61-70. It includes coverage for dental treatments and cashless hospitalization besides the usual benefits associated with travel insurance.

Family travel insurance

Family travel insurance covers hospitalization, baggage loss and other incidental expenses. The claim disbursement is easy with minimal paperwork involved.

Individual travel insurance

Through individual insurance, you can get coverage against cancellation of trip, home burglary and trip curtailment.

Key Features of Travel Insurance

Online travel insurance is all about providing travelers an ideal cover against emergency/unforeseen situations right at the comfort of home. There are certain key features which one should look out for while zeroing on a plan.

  • Coverage for in/out patient hospitalization along with daily allowance.
  • Personal Accident Cover in case of death or permanent disability.
  • Coverage for contingencies related to personal possession.
  • Coverage for loss of baggage and passport.
  • Coverage for expenses related to trip delays.

Benefits of Travel Insurance

The usual qualms of frequent travelers include lost passports, stolen bags, trip delays and cancelled flights. Such mishaps can derail perfectly laid out plans instantly. Do not let these events ruin your trip. Travel insurance is what you need when emergencies strike, whether in your native country or in a foreign land. Get enough compensation to return home or cover untimely expenses as and when they occur.

Exclusions

There are some common exclusions to travel insurance cover such as:

  • Flights/trains missed due to local protests/civil war.
  • Expenses incurred due to local protests/civil unrest.
  • Pre-existing conditions leading to hospitalization.
  • Baggage delay that is less than 24 hours.
  • Damage/loss of keys.

However, the exclusions differ from plan to plan. It is best to compare travel insurance quotes to bag the plan with minimal exclusions.