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Know your policy
Everything you need to know
What is Travel Insurance
Travel insurance: what it covers
Travel insurance covers medical emergencies abroad, flight delays and cancellations, and lost or delayed baggage, up to the limits stated in your policy. Cover varies by plan, so check what is included before you buy.
Why Is This Policy Vital for Travelers
Why travel insurance matters
Medical treatment abroad can cost far more than in India, and a sudden illness, lost luggage or a cancelled trip can add unexpected expenses. Schengen countries require medical cover of at least €30,000. Travel insurance helps you handle these costs without draining your savings.
Know your policy
Understand your insurance before buying
Who Needs Travel Insurance?
International Travelers
Medical emergencies abroad, visa requirements (Schengen mandatory), lost luggage, and trip cancellations need comprehensive coverage.
Family Vacationers
Parents traveling with kids need protection against trip cancellations, medical emergencies, and lost baggage for entire family.
Business Travelers
Frequent flyers need annual multi-trip policies covering trip delays, baggage loss, and overseas medical emergencies.
Senior Citizen Travelers
Elderly travelers require enhanced medical coverage, pre-existing disease coverage, and medical evacuation benefits.
Adventure Enthusiasts
Trekkers, divers, and adventure sports participants need specialized coverage for high-risk activities and emergency evacuations.
Domestic travellers
Cover for medical emergencies, trip delays and lost baggage on trips within India.
Types / Add-ons Commonly Offered
Single Trip Policy
Coverage for one specific journey.
Annual multi-trip
Any number of trips in a year, each up to a maximum length (often 30-90 days).
Student Travel Insurance
Long-term coverage for studying abroad.
Senior Citizen Plans
Enhanced medical coverage for elderly.
Adventure Sports Cover
High-risk activity protection.
Domestic travel
Cover for trips within India, such as medical emergencies, baggage and trip delays.
Corporate / business travel
Cover for employees travelling for work, for one trip or across the year.
What Travel Insurance Covers
Medical Emergencies
Hospitalization and treatment costs for illness or injury during travel.
Emergency Evacuation
Emergency medical evacuation and repatriation to home or nearest hospital.
Trip Cancellation
Non-refundable trip costs if you have to cancel for a covered reason.
Flight Delays
Compensation for expenses caused by delayed flights.
Lost Luggage
Reimbursement for permanently lost or stolen baggage and belongings.
Passport Loss
Costs of obtaining a duplicate or emergency passport abroad.
Personal Accident
Benefit for accidental death or disability during the trip.
Personal Liability
Legal liability for injury or property damage to third parties while traveling.
Trip Interruption
Reimbursement when a trip is cut short due to a covered event.
Baggage Delay
Emergency purchase of essentials when checked baggage is delayed.
Hotel Delays
Extra accommodation costs caused by travel disruptions.
COVID-19 Treatment
Medical and quarantine costs related to COVID-19 during travel.
Inclusions & Exclusions
✓Inclusions
- Medical Emergencies Abroad — Hospitalization, doctor fees, ambulance, and treatment costs overseas up to policy limits.
- Trip Cancellation — Refund of non-refundable expenses if trip cancelled due to illness, death, natural disasters.
- Lost Baggage Coverage — Compensation for lost, stolen, or damaged luggage as per your policy limits.
- Flight Delays & Cancellations — Compensation for delays beyond the period stated in your policy, including meals and accommodation.
- Emergency Medical Evacuation — Repatriation costs if medical treatment requires return to India or transfer to better facility.
✗Exclusions
- Pre-existing Diseases — Usually excluded, though many plans cover a life-threatening emergency arising from a pre-existing condition up to a limit.
- War & Terrorism — Travel to war zones and terrorism-affected countries usually excluded.
- Adventure Sports (Standard) — Skiing, scuba diving, trekking need specific adventure sports coverage.
- Alcohol/Drug Related — Incidents involving intoxication or substance abuse excluded.
- Intentional Self-Injury — Deliberate actions and risky behavior not covered.
FAQs
Schengen countries require medical cover of at least €30,000; for other countries it's strongly recommended.
Most new policies include COVID-19 medical coverage and quarantine expenses. Verify before buying.
Yes. Buy anytime before the trip starts. But earlier purchase covers trip cancellation from the booking date onwards.
No. Trekking, diving and skiing need a specific adventure sports rider. A standard policy covers tourist activities only.
Travel insurance covers emergency passport issuance costs, documentation fees, and related emergency travel expenses.
Yes, some insurers cover travellers above 70, often with medical screening and lower limits.