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Travel Insurance: All You Need to Know!

Now with the right travel insurance, travelling abroad can be even more secure and hassle-free.
Buy Confidently

With 25 insurers and 100+ products to choose from, Coverfox works actively to find a plan that is ideal for you—basically, the best one, the right one. From providing you with all the right information to offering unbiased comparisons, we do it all. Hey, you don't even need to engage with the insurer yourself.

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What is Travel Insurance?

Travel keyword

So, you are a travel junkie and you live vacation to vacation! And you would wonder how a travel insurance would be of your help in your vacation? Well, a travel insurance would help you tackle all the travel and medical contingencies while you travel abroad. You might find it silly to buy one, but it’s better to be safe than sorry. It would safeguard you from all the possible unforeseen situations and help you cherish all the lovely memories of your stay abroad. It is utmost important to add travel insurance to your checklist while you plan your vacation, be it for leisure or business. Travel insurance is gaining back all its lost significance. To avoid unforeseen conditions like flight delay, loss of baggage, loss of passport as well as medical emergencies, it becomes necessary to buy a travel insurance.

Single Trip Policy

Single trip policy is good for one-time travelers. The maximum of 180 days these policies can last for, however, it can also be extended post a humble request to the insurer. So, have you packed your bags yet?

Annual Multi-Trip Policy

This policy is ideal for frequent travelers or globetrotters. It's valid for making several trips during the year, each one ranging from 30-45 days, rewarding you with suitcases full of memories.

You have the option to choose the coverage and the type of plan basis your needs. However, there are various plans offered under travel insurance.

International Travel Insurance Plan

Various general insurance companies offer tailor-made plans. Because every destination requires different requirements. Also, every insurance company strives hard to see that all the requirements are met and every minute details are covered. Features like a total loss of checked-in-baggage, no medical test for a person above 80 years age, cashless hospitalization etc. are covered by most of the international travel plans.

Senior Citizen Travel Insurance Plan

Different insurance companies offer comprehensive travel insurance to the senior citizens for stress-free travel around the world. It provides benefits like medical cancellation of the trip, burglary back home when you are busy enjoying your vacation, loss of baggage, pre-existing illnesses cover, emergency medical expenses, personal liability, emergency financial assistance, dental treatment, flight cancellation, etc.

Student Travel Insurance Plan

A student travel insurance plan offers medical as well as financial support to the students travelling abroad for higher studies. A student might face sudden medical emergencies or financial problems while studying in the foreign land. This might interrupt their studies as well. Student travel insurance plan would cover any such emergencies throughout the duration of studies without any hindrances.

Asia Travel Insurance

If you are travelling to any Asian countries or Southeast Asian countries, then Asia travel insurance comes into the picture. Here benefits offered include distress allowance, loss of passport, emergency cash assistance, emergency medical cover, third-party liability etc. Asia travel insurance offers a comprehensive coverage that would take care of any uncertainties.

Corporate Travel Insurance Plan

Many employees have to visit different countries for business trips. To safeguard them from any unforeseen situations, the employers offer them with corporate travel insurance plans. These plans can be tailor-made as per the employee’s requirement and offers medical assistance as well as travel-related cover to the insured. This covers injuries, loss of baggage, emergency evacuation, and flight cancellations. etc.

Group Travel Insurance

There are vacations where you would like to go with your friends and relatives in a big group to have the most memorable and fun vacation. Group travel insurance offers 20 or more individuals with benefits like loss of baggage, trip delay or curtailments, loss of documents etc. It is essential for every group member to go through the features and benefits of the travel plan because the travel includes a big group.

Schengen Travel Insurance

Anyone travelling to Schengen countries for a maximum 90 days like Austria, Belgium, Czech Republic, Denmark, Poland, Finland, Estonia, France, Greece, Iceland, Germany, Latvia, Lithuania, Italy, Hungary, Malta, Norway, Luxembourg, Liechtenstein, Portugal, Poland, Spain, Slovakia, Slovenia, Sweden and Switzerland, need to mandatorily have a Schengen travel insurance or a health insurance in addition to the Schengen Visa.

Domestic Travel Insurance

Domestic travel insurance covers travel within India. Individuals are covered for loss of baggage, medical expenses, 24/7 customer support, medical evacuation, emergency cash assistance, personal accident cover, loss of baggage etc. It offers coverage to the individual policyholder. Any person above 18 years and below 65 years can opt for this plan.

Key Features of Travel Insurance Plans

  • Medical expenses - Offers coverage for any surgical or emergency medical treatment when you are away from home.
  • Curtailment - Offers coverage for any trip that is shortened or cancelled due to a valid reason. This feature helps you to save a lot of money on cancellation of flights or hotel accommodation.
  • Personal liability cover - Offers coverage if you damage some one’s property or are liable for bodily injuries due to an accident.
  • Loss of passport - Offers coverage towards expenses for replacing the original passport if robbed during your travel.
  • Terrorism - Offers coverage for your medical and insured losses during an act of terrorism while your visit overseas.
  • Repatriation of remains - Offers coverage for expenses to take the insured’s mortals or human remains back to the home country.

Benefits of Insured Travelling

Medical Benefits

MEDICAL BENEFITS

Emergency medical expenses & out-patient care
Personal accidents
Medical evacuation

Travel Benefits

TRAVEL BENEFITS

Trip cancellations
Trip delays
Missed connecting flights

Baggage Benefits

BAGGAGE BENEFITS

Baggage Loss
Baggage Delay
Additional Benefits

ADDITIONAL BENEFITS

Loss of passport
Personal liability to cover injury to third party
Emergency cash advances

Inclusions and Exclusions in Travel Insurance

So, once you buy a travel insurance plan, not necessary anything and everything would be covered. Mentioned below are certain things that would be covered and some that wouldn’t be covered. Let’s have a look at them:

International Travel Insurance

INCLUSIONSEXCLUSIONS
Loss of baggage/personal documents Expenses due to terrorism/civil war
Loss or delay of checked documents Expenses due to alcohol, drugs or liquor
Emergency medical expenses/medical evacuation Pre-existing diseases
Repatriation of human remains Emergencies due to adventure sports
Emergency dental expenses Cosmetic/Ayurveda/Homeopathic/Spa/AIDS treatments
Hospital cash allowanceSuicide or travelling against medical advice
Accident death/ permanent total disability
Personal liability
Hijack distress allowance
Financial emergency assistance
Compassionate visit
Trip delays/missed flight connection
Return of minor child

Student Travel Insurance

INCLUSIONSEXCLUSIONS
Emergency dental/medical expensesTravelling against medical advice
Accidental death/permanent disabilityLoss of passport if left unattended
Loss of passport/checked luggage Pre-existing diseases
Personal liabilityExpenses due to AIDS, mental disorder, drug abuse, anxiety treatment etc.
Sponsor protectionHigh-risk zones travelling
Study interruptionConsequential loss
Medical examination
Bail bond

Family/Senior Citizen/Corporate Travel Insurance

INCLUSIONSEXCLUSIONS
Emergency medical expenses/medical evacuation/ dental expenses Expenses due to terrorism/civil war
Loss of baggage/personal documents Expenses due to alcohol, drugs or liquor
Loss or delay of checked documents Pre-existing diseases
Home burglary Emergencies due to adventure sports
Loss of passport/checked luggage Cosmetic/Ayurveda/Homeopathic/Spa/AIDS treatments
Personal liability
Hospital cash
Trip delays/missed flight connection

Schengen Travel Insurance

INCLUSIONSEXCLUSIONS
Emergency medical expenses/medical evacuation/ dental expensesPre-existing diseases
Repatriation of human remainsSuicide, mental disorder
Accidental death/permanent disabilityExpenses due to alcohol, drugs or liquor
Loss of checked-in- luggageMedical expenses post expiry of the Schengen visa
Loss of passport Expenses due to terrorism/civil war
Reimbursement of expenses family member visiting the insured if hospitalized for a weekCosmetic surgery, cost of spectacles, contact lens, hearing aids, etc.

Eligibility Criteria for Travel Insurance Plans

  • International travel insurance - offers coverage for 2 adults up to 60 years and 2 children up to 21 years.
  • Family travel insurance - offers coverage for 2 adults up to 60 years and 2 children up to 21 years.
  • Student travel insurance - offers coverage for students aged between 16 and 34/40 who wish to travel abroad for higher studies.
  • Senior citizen travel insurance - offers coverage to senior citizens aged up to 85 years. These senior citizens do not have to go through a medical test.
  • Schengen travel insurance - offers coverage for adults up to 70 years and newborn babies over 90 days. However, the travel should be only business or tourism.

Why Do You Need Travel Insurance?

There are chances that you might come across some unforeseen situations in a foreign land. To tackle such emergencies, especially in unfamiliar surroundings, it becomes important to buy a travel insurance plan. Travel insurance safeguards you from situations like hijack, theft, sickness etc. The cost of such emergencies abroad would rip you off completely minus a good travel insurance plan.

Mentioned below are the reasons why you should buy a travel insurance plan:

  • Compensation for flight delays, trip delays, etc.,
  • Compensation of expenses with regards to trip termination
  • Medical treatments, hospitalization and hotel accommodation for medical emergencies
  • Customized plans, according to the destination they are travelling to
  • Cover for personal liabilities, accidental death, travel delays, legal expenses, dental treatments, repatriation and emergency reunion
  • 24/7 customer service support to policyholders and assistance for loss of documents, accidents, etc.

What Makes Comparison of Travel Insurance Important?

Travel insurance plans offer coverage from all possible emergency crisis during transit. Different insurers form their plans on certain parameters. Those parameters could vary from one plan to another. A quick comparison would help you understand if the features and benefit of your plan to align well enough with your requirements and preferences. You would be looking for a plan that is pocket-friendly at the same time provides adequate coverage for loss of baggage, trip delays, or even personal accident. It is good to have several quotations in front of your eyes, their advantages, terms and conditions. It can help you compare, shortlist and nail down the perfect policy that is suitable for you.

Key Things to Consider Before Comparing Travel Plans

Make sure your chosen travel insurance policy gives you the ultimate carefree journey.

  1. Pre-existing Medical Conditions: Check the terms that each insurance provider has about pre-existing conditions.

  2. Limits on Trip Duration: If you are traveling abroad, for how many consecutive days would you be covered? That’s one of the questions you need to ask yourself when comparing plans. If you exceed the pre-determined limit even a single day, it could invalidate your insurance plan.

  3. Levels of Cover: Figure out what your needs are and how much cover would serve the purpose of purchasing a travel insurance.

  4. Sports and action-packed holiday: If you are an adrenaline-junkie and engaging in risky sports or activities during your trip is on your mind, get covered for that as well.

  5. Personal belongings: If you are negligent, your insurer could refuse to compensate upfront. Most policies only cover theft or accidental loss of cash if you were pick-pocketed or it was sneaked from your safe deposit locker in your room.

  6. Flight cancellations: You are all set to fly on a dream journey, but due to illness your trip is cancelled. Your travel insurance can cover your cancellation expenses.

  7. Missed flight: It may not be your fault if you miss a flight, but ensure your insurer covers you for a new flight.

  8. Exclusions: Sometimes certain destinations could be excluded from your policy. Compare policies to check if they cover destinations that you would most likely be your weekend getaway.

  9. Additional benefits: Make your travel insurance policy more appealing by adding extra benefits such as free support, easy approval, hassle-free claim process, free cover for children.

Speak to our Coverfox advisory team to understand your options before settling for one.

How to Compare Travel Insurance Online?

  • Assess your requirements
  • Research a little about the background of the insurance company
  • Understand which type of policy would be suitable for you
  • Compare features and benefits of all plans using the parameters mentioned above
  • Figure out your ideal travel insurance plan

Calculating Premium of Travel Insurance Plan

How is the premium calculated?

The premium for a Travel Insurance cover is determined on the basis of the following factors:

  • Travel age
    AGE

    The older you are, the higher will be the cost of premium you need to pay.

  • Destination
    DESTINATION

    You would need to pay more while traveling to countries such as Japan, the United States or Canada.

  • Travel Duration
    Travel Duration

    Going on a long trip? You'll have to be prepared to shell out more money for your premium.

  • Plan Coverage
    PLAN COVERAGE

    Single trip insurance requires a lower premium than a multi-trip cover. It also depends on the sum assured.

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Expert Advice

Expert advice and an informed, unbiased opinion that clears the confusion and helps you buy that perfect plan for you. Can it get any easier?
Expert advice

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Things you must know
  • What’s not included in your Travel Insurance Cover?
    • Having a travel insurance can help you travel stress-free. But there are certain circumstances where the insurance might not be of any help:

      • Travelling against medical advice.
      • Travelling outside home country for medical treatment or cosmetic surgery.
      • Going for extreme, high-risk sports, like scuba-diving and bungee-jumping.
      • Losses when you were under the influence of narcotics or alcohol.
  • How do you compare plans before choosing one?
    • Whether you are a frequent traveler or insuring your dream vacation to an exotic destination, choose your travel insurance plan wisely. Compare on the basis of:

      • Coverage: Evaluate the coverage offered against the premium you would pay to strike perfect balance.
      • Claim Settlement Ratio: Keep an eye on the reputation of the insurance company in disposing claims and the speed of settlement.
      • Customer Service: Has to be quick and competent to handle travel emergencies arising in a different geographical location and time-zone.
      • Exclusions and Deductibles: Know what's not covered in the policy. Remember that most insurers set a deductible amount, to be paid by the traveler during emergency.
  • How can you seek assistance on your Travel Insurance in a foreign land?
    • Every insurance company offering Travel Insurance has a network of international assistance companies or partners who offer assistance in case you need any help in a foreign land. The contact numbers are usually mentioned in your policy documents. Did you know that these companies can do the following things for you?

      • Provide round-the-clock assistance.
      • Register a claim.
      • Coordinate with local service providers.
      • Arrange for medical assistance.
      • Organize for repatriation & evacuation services.
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