Travel Insurance​



What is Travel Insurance?


Travel insurance, as the name suggests, is an insurance product that is a kind of General Insurance Policy. It is useful for protection against unforeseen damage during traveling and associated financial costs. It is a beneficial plan for those traveling domestically or abroad, especially for those who are frequent travelers.

Travel insurance covers the following losses:

  • Baggage loss/Loss of personal belongings
  • Theft/burglary of bags or personal belongings
  • Loss of passport
  • Trip cancellation or delays
  • Medical urgencies/Accidents
  • Death of the insured person
  • Disability of the insured person
  • Hijack
  • Emergency evacuation
  • Missed connection/departure
  • Bounced airline/hotel booking


Benefits of Travel Insurance Policy? 

Luggage Benefits

This policy covers the costs of baggage loss. It could be the cases of loss, burglary, or theft. These policies may cover the loss of bags, passports, important documents, cash, or any personal belongings. Also, during an emergency evacuation or any other mishap, the luggage costs can be protected​

Cancellation/Delay Benefits​

If there is a cancellation or delay in the trip due to any unforeseen reason, travel insurance companies will reimburse the costs in such cases. Cancellations/delays could be due to weather conditions, strikes, or any other cause. They will also provide some alternative benefits like access to toilets, clothing, or food. Also, when you cancel or delay the trip due to any emergency, you can be reimbursed for the costs if you are insured under a travel policy

Medical Benefits​

This policy covers medical fees and hospitalization charges. It is for the expenses that incur when there is any medical emergency, illness, or injury during traveling. It covers the costs of hospitalization, ambulance, and certain others. Insurance providers arrange for cashless hospitalization in impaneled hospitals. In case of death or disability of the insured, you can claim the reimbursement for medical costs or hospitalization as well 

What are the types of Travel Insurance Policy?


Single Trip Travel Insurance Policy

This is a one-time travel insurance policy specific to one particular trip

Multi-Trip Policy

Those who travel frequently should go for a cost-effective travel coverage policy. It covers you for multiple trips to certain destinations over a long duration like maybe for an entire year. This is useful for businessmen and other frequent flyers

Educational Travel Insurance Policy

Students who go on educational trips, especially abroad can have the benefit of this type of travel insurance policy. There is usually a set limit for the duration of the trip like it can be a maximum of 30 or 45 days

Group Policy

When there are too many travelers, they can go for a group travel policy. There is a maximum limit of persons that group insurance policies cover. Insurance providers usually have such offers when there are trips and tours of groups picked up from various places/nations. This also depends on the age of the persons in a group and it is a cost-effective policy if traveling in a group.

What is not covered by a Travel Insurance Policy?


  • When you are high on liquor or drugs, you lose your baggage or hurt yourself under the influence. The insurance provider will not bear the luggage or medical costs
  • It covers medical costs but not that of the Ayurvedic, homeopathy, and cosmetic surgeries related costs
  • Policies do not cover pre-existing diseases/illnesses/health problems. Most of the insurers don’t cover up for HIV-related issues. Also not if you are traveling against medical advice
  • No coverage for self-inflicted injury, suicides, or indulgence in adventure sports
  • No coverage if you lose your passport, luggage, or belongings by yourself if you left them unattended. Also, if you shipped your baggage separately, then the policy does not cover that
  • There is no coverage when one is traveling to prohibited/uncovered destinations. These are usually war-prone regions. For example, if it is under a civil war or suffers due to a terrorist attack