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Travel insurance safeguards you financially from various unpleasant situations that may arise during your trip. The plan covers you whether you are heading overseas for a holiday, business meeting or education.

Some of the key travel insurance benefits include emergency evacuation, medical expenses coverage due to COVID-19, medical emergency assistance, trip cancellation cover and lost or delayed baggage coverage.

Features of ICICI Lombard's travel insurance

No medical check-up.

Need to fly abroad for an urgent business meeting but your insurer is delaying travel insurance owing to pending medical screening? If so, get an instant travel insurance quote with us without having to undergo a medical examination.

Trip cancellation & interruption cover

In case you are cancelling your trip due to a valid reason, we will reimburse you for the cancelled flight ticket.

Loss of passport

In case your passport is lost or stolen, our travel insurance will cover the cost of replacing the original passport.

Personal liability cover

If you damage someone's property or they suffer bodily injury because of an accident involving you on your trip, we will cover the legal liabilities.

Reimbursement of non-refundable prepaid payments

Reimbursement of the non-refundable prepaid payments, for the trip being cancelled or interrupted due to medical problems, acts of terrorism or natural disasters.

Advantages of buying ICICI Lombard's travel insurance policy

Medical benefits.

When you secure your trip online from us, we cover medical evacuation, personal accident, hospitalisation and repatriation of remains.

Travel benefits

Under this, we cover trip cancellation, delayed and missed connecting flights.

Luggage benefits

We compensate you for the loss incurred when your luggage is delayed at the airport or if you lose it on your trip.

Other benefits

Some of the other benefits include compassionate visit, emergency cash arrangement, loss of passport cover and personal liability.

24×7 assistance

If you are stuck in an unfavourable situation abroad, we are just a call away. You can call our toll-free number 18002666 at any hour and we’ll try to help you out.

Trip cancellation and interruption

If you have to cancel your trip due to a medical condition or medical emergency in your family our one trip holiday insurance for your single trip takes care of your losses that arise due to the trip cancellation.

Burglary cover for home contents

Our travel insurance also covers your home against burglary while you are away making memories on your international trip.

What’s covered under ICICI Lombard's travel insurance?

Hospitalisation.

In case you fall ill during your trip to an overseas destination, we will reimburse your medical expenses up to the sum insured specified in your policy document.

Lost and delayed baggage

In case of lost or delayed baggage, we will cover the cost of essentials such as toiletries, medicines etc and pay you a fixed lump sum amount.

Third party liability

If a third party suffers property or bodily injury because of your involvement in an accident while on vacation, we will cover the legal liabilities in case you need it.

Emergency cash

If you all your cash is stolen, we will arrange emergency cash for you.

Our policy will be void if you sustain an injury while participating in adventure sports

Our policy will not apply in situations where the claim has arisen due to loss of valuables and money

When you buy travel insurance plans, keep in mind that pre-existing illnesses are not covered unless they are life-threatening

Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy

Illness caused due to addiction to alcohol, drugs

Illness such as anxiety, depression

Sickness due to venereal diseases

Sickness caused due to radiation, nuclear weapons & more

Injuries caused due to adventure & other sporting activities

Expenses arising out of loss of valuables, money, securities and tickets

Naturopathy treatment, ayurvedic / homeopathic therapies

Treatment relating to removal of physical flaws - cosmetic or plastic surgery

Costs incurred relating to rest or recuperation at a spa or health resort

Policy documents:

Why should you purchase an online travel insurance plan.

Given the COVID-19 pandemic and the hectic work life, purchasing travel insurance online is a preferred choice these days. You can insure your trip the same way you book your flight tickets and hotel, from the comfort of your home. When you buy travel insurance online-

• You can compare several travel insurance plans available with us.
• You save on the premium.
• You get instant coverage and a get the policy copy of your insurance in your email.

Types of travel insurance plans in India

Single trip travel insurance.

As the name implies, this policy covers a single international trip. Such a policy is valid until the conclusion of your trip, or say, until you return to your home country.

Multi-trip travel insurance

If you travel frequently, you probably don't want to waste time and effort buying insurance for each trip. Considering this, we have come up with a multi-trip policy. The policy is valid for 365 days and you can take as many trips as you want during this period. It is a comprehensive policy that covers on-trip medical expenses, lost baggage, missed connecting flights, compassionate visit, etc.

Schengen travel insurance

The Schengen countries are a group of 26 Central European countries. If you are considering a vacation to a Schengen country, you must first acquire Schengen travel insurance. The policy protects you financially in the event of an emergency.

Student travel insurance

Nowadays, many youngsters aspire to complete their higher education in another country. Given this, we have come up with student travel insurance. The policy covers medical evacuation, study interruption, and sponsor protection.

Does ICICI Lombard's travel insurance plan cover COVID-19?

Yes, ICICI Lombard travel insurance covers COVID-19. The benefits under this cover include:

• We pay for your in-patient and out-patient hospitalisation expenses for hospitalisation due to COVID-19.
• We cover your trip cancellation if your immediate family member is hospitalised due to COVID-19.
• We compensate your lodging or boarding expenses due to trip extension if you contracted COVID-19 on your trip.
• We provide you with daily hospital cash allowance for your COVID-19 hospitalisation abroad

Eligibility criteria for travel insurance plans

Travel insurance policy can be purchased separately by an individual or can be bought for an entire family as a family travel plan. To choose an ideal plan, you must first compare travel insurance plans offered by us and the eligibility criteria for them. ICICI Lombard offers two travel insurance plans Gold and Platinum with SI 50,000$ and 100000$ respectively.

How to buy a travel insurance policy online?

Do you wish to secure your trip online before going out on a vacation abroad? If yes, here is how you can get an instant cover with ICICI Lombard.

Share your basic information and your contact details here and get an instant quote.

Pick the ideal plan that suits your needs.

Pay online using our secure payment gateway.

Get instant cover for your trip abroad.

Additional coverage under travel insurance plans

Repatriation of remains.

In an unfortunate event, if the insured person dies on the trip to an overseas nation, we will reimburse the nominee for the costs of transporting the deceased insured's remains back to his home country.

Hospital daily cash allowance

If the insured person sustains an injury or illness while on a trip, we will provide the insured with a daily allowance up to the amount prescribed in the policy document. However, to avail of the daily allowance benefit, the hospitalisation should be over two consecutive days.

Countries that need an international travel insurance policy

• There are around 34 countries that have made travel insurance compulsory for visiting their country.
• If you are planning a trip to the USA, you should first buy a travel insurance policy before making any reservations.
• If you are considering a trip to the Schengen countries, keep in mind that the 26 countries in Central Europe that make up the Schengen zone have made travel insurance mandatory for tourists.
• Some of the other countries where travel insurance is mandatory are Cuba, the UAE, Russia, Turkey, Qatar, Antarctica, and Ecuador.

How to calculate travel insurance premiums online?

Just like any other insurance policy, knowing your premium ahead of time not only allows you to compare plans but also helps you in saving a significant amount on your premium. To determine your premium online, you must use an online travel insurance premium calculator. To use this tool, you will need to enter information such as your age, destination, number of travellers and trip duration.

Tips to lower your travel insurance premium

If you are fond of exploring new places across the globe, a multi-trip policy can help you save on insurance premium.

When you buy travel insurance online, evaluate and compare the various plans as per your needs and budget.

Claim procedure for travel insurance policies

Even if you have the best travel insurance policy, dealing with unpleasant incidents on your trip might be difficult if you are unaware of the claim procedure. To initiate a claim during an emergency on your trip, you will first need to inform us over the call or via an email. Post intimation, you will have to provide the supporting documents related to your claim. Following your submission, we will evaluate the details and the documents and come back on your claim.

Things to consider while buying travel insurance online

When purchasing travel insurance online, keep the purpose of your trip in mind. Fill in your details and compare travel insurance plans to select an appropriate one from those we offer. If you travel frequently, a multi-trip policy would be excellent for you.

Before securing your trip, plan how you want to spend your holiday; this will help you determine the scope of your policy's coverage.

Health comes first, but falling sick should come last while on your trip. But if you still end up being unwell on your trip, it’ll help to have a travel insurance covering your medical expenses in a foreign land.

Check and compare the claim settlement ratio of various insurers when you buy travel insurance online.

When securing your trip, check the swiftness of the insurer's claim settlement process.

Travel insurance blog articles

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Frequently asked questions about COVID-19 for international travel insurance claims

How many times can we extend the policy, how can i cancel my travel insurance policy, do i get a grace period for my travel insurance policy, can i buy travel insurance after leaving the country, will pre-existing diseases be covered under my travel insurance policy, can i get travel insurance cover if my trip has already started, is it possible for me to claim covid-19 related hospitalisation expenses while on my trip abroad, if i cancel my trip due to covid-19, will i be compensated for the loss incurred as a result of trip cancellation, i have both health and single trip travel insurance; will the covid-19 claim will be applicable in both cases, reviews and ratings.

Our customers have rated us

Ashish Agarwal

ICICI Lombard’s salesperson was very good at his job. He was well aware of the benefits of the travel insurance plan such as emergency hotel extension and coverage against total loss of checked-in baggage. He answered all my queries, and overall, gave me good service. Thanks for your support which helped me to buy insurance without any hassle.

Your salesperson assisted me in the purchase of my travel insurance policy. She was extremely helpful, and patiently guided me through the process. She also clearly explained the policy inclusions like coverage against total loss of checked-in baggage, and exclusions. This helped me to make an informed choice. I will definitely recommend ICICI Lombard to my other friends too. Thank you.

Shoubhik Chakraborty

I wanted to buy travel insurance for my upcoming visit to Spain. ICICI Lombard’s salesperson helped me to buy a policy that was suitable for my visa requirements and for my personal insurance needs too. Overall, I’m very satisfied with her assistance. Many thanks for suggesting the perfect travel insurance plan to me.

K. Thothathiri

I’d been surfing the Internet for travel insurance. Imagine my surprise when within a few seconds of applying for a quote, I got a call from your agent. She was polite and had good command over English. She helped me to understand the policy benefits and purchase procedure, and waited patiently when I told her that I’ll get back with my response in a day.

Suparna Shankar

Your agent helped me to purchase an international travel insurance policy. He was very clear and crisp in his communication. He was also very patient and supportive, and did a good job of helping me set my ICICI Lombard insurance profile right. I would rate him 9 out of 10.

Sanober Garda

I am impressed with the assistance I received from your insurance executive. He was very helpful and patient throughout the purchase of my travel insurance policy. In fact, I would describe him as one of the best executives I have spoken with so far.

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Your Quote Details

Key Benefits:

• € Medical Sum Insured - 30,000
• € Personal Accident - 10,000
• Compassionate visit

Tax Excluded

• Medical Sum Insured - $500,000
• Personal Accident - $30,000
• Personal Liability - $250,000
• Medical Sum Insured - $250,000
• Personal Accident - $25,000
• Personal Liability - $200,000
• Medical Sum Insured - $100,000
• Personal Accident - $20,000
• Personal Liability - $100,000
• Medical Sum Insured - $30,000
• Covers Loss of Passport & checked baggage
• Covers trip delay
• Medical Sum Insured - $25,000
• Covers loss of passport & checked baggage
• Covers Loss of passport & checked baggage
• Daily Hospitalisation Allowance
• Medical Sum Insured - $50,000
• Personal Accident - $15,000
• Medical Sum Insured - €30,000
• Personal Accident - €10,000
• Medical Sum Insured - €50,000
• Personal Accident - €15,000
• Personal Liability - $50,000
• Personal Liability - $150,000 & more ...
• Personal Liability - $100,000 & more ...
• 2 way Compassionate visit

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International Travel Insurance

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What is an International Travel Insurance Policy?

An international travel insurance policy is your trustworthy, reliable and mandatory companion for your trip abroad. Imagine this: You are travelling to a foreign country for leisure or personal business or studies. You don't want anything to ruin your trip and taint your happy memories. But unexpected things happen. You may fall sick or lose your passport or miss your flight! An international travel health insurance policy helps you deal with financial stress and worries cau​sed by such situations. It protects you in unexpected and untimely situations in an unfamiliar city with language barriers. An international travel medical insurance plan covers flight delays, lost or delayed baggage, lost passport, trip interruptions, medical expenses and trip cancellations.

Reliance General Insurance is here to ensure you have a wonderful stay and worry-free travel experience. With premium starting at ₹306*, our international travel insurance plans will help you deal with any baggage or trip or medical contingencies. Be it a delay of checked-in baggage, lost baggage, cancelled flight, delayed flight, missed connecting flights, passport loss, emergency hospitalisation, trip interruption or trip cancellation, we will be there for you.​

Why Do You Need Travel Insurance When Going Abroad?

Travel insurance is an insurance policy that provides financial protection to travellers during their international stay or trips. Imagine you’re all set to enjoy a vacation at an exotic destination and unexpected events disrupt your travel plans: You miss your flight or have to delay your trip due to weather conditions or get hospitalised during your stay abroad due to some medical emergency. A travel insurance plan ensures that none of the trip or medical contingencies cause any financial burden to you. It covers you from the moment you reach the airport till you’re safely back to India from your trip.

Here are some key reasons why buying a travel insurance policy is important when going abroad:

Mandatory by Law

Some countries have made it mandatory for travellers to have a valid travel health insurance plan before entering their borders. For example, it is a prerequisite to purchase medical travel insurance to enter countries like Russia, Singapore, the UAE, Romania and Cuba regardless of the purpose of your visit. The main reason behind making travel insurance mandatory in some countries is to financially secure foreign visitors from unexpected events like passport loss or theft, lost or misplaced luggage, trip delay or cancellations, medical emergencies or accidents and COVID-19 like situations.

Visa Requirements

While there are countries that offer visa on arrival to India, many countries require you to buy a travel insurance policy to initiate the visa application process. For example, it is compulsory to have travel medical insurance with a minimum medical coverage of EUR 30,000 to get a Schengen Visa. This will allow you freely in any of the Schengen countries, including Switzerland, Spain, Italy, France, Germany, Portugal and Denmark. Other countries where travel health insurance is mandatory for the visa process include Turkey, Czech Republic, Ecuador, UAE, etc.

Cost of Medical Treatments

Medical expenses can be quite high in foreign countries than in India. The potentially high cost of medical treatments in case of unexpected illness or injury or accidental dental issues, not only increases your financial burden but also leaves you feeling helpless during your international vacation. An international travel medical insurance plan acts as a shield against unforeseen medical bills by offering cover for emergency medical hospitalisation, the cost of transporting the nearest hospital or back to India, and dental treatment due to an accident on your trip.

Coverages Offered

Besides offering international medical coverage, international travel insurance policies offer coverage for various baggage and trip-related contingencies. You lose your checked-in baggage or someone mistakenly takes your luggage or the airline delays or misdirects your checked-in baggage. Similarly, you may miss your connecting flight to your final travel destination or your trip may get delayed or interrupted or cancelled because of conditions that are beyond your control. All of these situations are covered under our plan.

What are the Different Types of Overseas Travel Insurance Plan?

Reliance General Insurance offers country-specific travel plans with sum insured ranging from USD 50,000 to USD 500,000 to cater to the diverse needs of globetrotters. We have overseas travel insurance plans that cover the top travel destinations across the globe, including the US, Canada, the UK, Greece, Austria, Egypt, Russia, Hong Kong, Japan and China.  Schengen Travel Insurance is popular among travellers who love to explore Schengen countries like Switzerland, Spain, Italy, France, Germany, Portugal and Denmark. It has customised plans to offer the necessary medical coverage to comply with Sche​​​ngen Visa requirements. On the other hand, Asia Travel Insurance has special plans to provide cover​age against various untoward events that may disturb your relaxing and exciting stay in beautiful Asian countries like Singapore, Thailand and South Korea.

Reliance Travel Care Policy also offers personalised plans for different combinations like individual, family, senior citizen and student. We have an international travel insurance plan for individuals who love to travel solo. Our international family travel insurance plan is perfect for people who love taking family trips abroad while our annual multi-trip travel insurance plan is a must for frequent business travellers. Meanwhile, Senior Citizen Travel Insurance Plan is specially curated for travellers aged between 61-70 years who want to explore the world. This is also one of the most preferred plans by Non-Resident Indians (NRIs) who want their parents to visit frequently or have extended stays with them.

Additionally, ​Student Travel Insurance is best for students who want to study at reputed universities and institutions abroad. This international student travel insurance plan not only offers basic covers for lost passport, total loss of checked-in baggage and personal liability but also includes unique coverages like bail bond, study interruption cover and sponsor protection cover. It is a special international travel insurance plan for students that can be easily customised to meet the different requirements of universities in top countries like Germany, Australia, the UK, the US and Canada.

Benefits of Reliance International Travel Insurance Plan

Our Reliance Travel Care Policy has everything you need to ensure your safety and comfort during your international trip. Here are different covers you can enjoy when you buy our international travel insurance policy online:

Baggage Loss or Delays Compensation

In the situation of your checked-in baggage delay, our international travel insurance plan will provide up to USD 100 to help you buy necessary personal items like clothes, toiletries and medication. Additionally, in case of loss of Baggage, our plan will compensate you up to USD 1500* for total loss of checked-in luggage caused by your airline.

Passport Loss or Theft Cover

Losing your passport or becoming a victim of passport theft can be a dreadful experience. Our international travel insurance policy offers cover for passport loss to help you get reimbursement up to USD 300 for expenses incurred to get a new passport or duplicate passport.

Medical Emergency Cover

You may fall sick or get into an accident but with our international travel health insurance you can cover most medical expenses, including medical treatment, emergency medical hospitalisation and transportation, up to USD 500,000*. It also provides a cover of up to USD 500 for any accidental dental treatment needed during your trip.

Trip Cancellations and Interruptions Cover

In case you have to cancel or interrupt your trip due to unforeseen illness or inclement weather conditions or terrorist incidents, our international travel insurance policy will provide reimbursement of up to USD 600* for the forfeited, non-refundable prepaid payments made before the departure date.

Missed Connecting Flights

Our overseas travel insurance plan offers a cover of up to USD 500* in case you miss the connecting flight to your final destination. This will help to deal with your losses or additional transportation expenses without letting this situation dampen your holiday plans.​

Personal Liability Cover

Our international travel medical insurance plan covers you for any third-party bodily injury or property damage up to USD 250,000*​. This cover is helpful especially when you can’t control certain circumstances around you. For example, you may get involved in an accident during your international trip. and end up accidentally hurting another person or damaging their property.

• Hijack Distress Allowance

In the unlikely event of a flight hijack, Reliance Travel Care Policy offers a distress allowance of up to USD 125* per day (maximum 7 days) to help you deal with the trauma.

Compassionate Visit

No one can replace your loved ones, especially when you need them during medical emergencies on your international trip. Our international travel insurance plan offers a cover for compassionate visit wherein the travel and accommodation expenses of one immediate family member are covered. This cover comes in handy when you’re hospitalised due to an illness or injury and cannot return to India without any companion.

Features of Reliance International Travel Insurance Policy

Reliance Travel Care Policy offers different plans for different needs. The Standard Plan provides basic coverages for medical expenses, accidental dental treatment, passport loss, delay and total loss of checked-in baggage, personal accident, personal liability and compassionate visit. Meanwhile, the Silver Plan, Gold Plan and Platinum Plan offer comprehensive coverage by enhancing the sum insured for the basic covers offered under the Standard Plan along with additional covers like trip delays, trip cancellations or interruptions, missed connecting flights and more.

Note: The above table provides information for Reliance Travel Care Policy – Individual Plans. The covers mentioned above are subject to deductibles. Please read policy wording, brochure and prospectus for more information.

What’s Covered Under Reliance International Travel Insurance Policy?

Our Reliance Travel Care Policy is your travel guardian for all of your international trips. Be it medical expenses, lost baggage or trip delays, we cover it all. To understand your travel insurance coverage, have a look at what’s covered under our international travel insurance policy:

Medical Emergencies

Medical expenses.

Our international travel medical insurance policy covers the medical expenses up to USD 500,000* that you have incurred during the policy period for availing emergency medical treatment abroad for any illness or accident or injury that has been advised by a doctor. These treatments can include in-patient treatments, X-Ray, Radiotherapy, etc.

Transportation Costs

Our international travel health insurance plan covers the expenses for transportation to the nearest hospital or back to India for a medical treatment that’s been necessitated by a doctor. It also covers the additional costs for an accompanying person in case you need to be accompanied for the medically necessary treatment.

Dental Treatment

Our overseas travel insurance plan also covers expenses related to the acute anesthetic treatment of a natural tooth or teeth during the trip. Suppose an accident during your trip damages your teeth and the doctor recommends immediate dental treatment that cannot wait until you get back to India, the costs for the same are covered up to USD 500.

Daily Allowance In Case of Hospitalisation

In case you need emergency hospitalisation for more than two consecutive days due to an illness or injury during the trip, then our international travel insurance plan offers a daily allowance of up to USD 25 per day* (maximum 7 days). This benefit can be claimed only once during the policy period.

Personal Accident

Our foreign travel insurance policy offers compensation of up to USD 30,000* in case of death or disablement due to an injury that occurred during a trip.

Personal Liability

We know that you’re always careful but unintentional accidents can lead to physical injuries or material damage to third-parties. Our international travel insurance plan offers Personal Liability cover of up to USD 250,000* that takes care of your legal expenses and the compensation that you have to pay to the third-party as per the court of law up.

Repatriation of Mortal Remains

In the unfortunate event of your death due to an insurable event while on the trip, our international travel insurance plan covers the expenses related to transporting the mortal remains back to India or expenses for a local burial or cremation in the country where the death occurred. The expenses are covered up to the defined limits.

Baggage Covers

Delay of checked-in baggage.

Our international travel insurance plan provides baggage cover if your luggage is delayed by the airline or misdirected for more than 12 hours from the actual arrival date of the common carrier. Specifically, our Delay of Checked-in Baggage cover will provide reimbursement of up to USD 100 for expenses you incurred purchasing necessary clothes, toiletries and medication.

Total Loss of Checked-In Baggage

If your airline loses your baggage, then our international travel insurance policy will compensate you for the total loss of your checked-in baggage. The compensation is offered as per the market value of the total loss of checked-in baggage caused by a common carrier up to USD 1500*.

Journey Covers

Loss of passport.

Our Reliance Travel Care Policy offers reimbursement of up to USD 300 to cover all the expenses in connection with obtaining a duplicate or fresh passport that was lost during your international trip. In case of passport theft, you’ll get reimbursed for the cost of issuing a new passport if you report the theft to the police within 24 hours.

Missed Connections

Our international travel insurance plan provides a reimbursement of up to USD 500* if you miss a connecting flight due to inclement weather causing cancellation or a delay of the scheduled flights. It also covers any additional transportation costs to join the trip for non-refundable unused portion of prepaid expenses.

Get reimbursed for any reasonable additional expenses incurred because of a trip delay for more than 12 hours due to unforeseen reasons such as inclement weather conditions causing delay or a loss of passport or travel documents or unforeseen illness or injury of immediate family member. The reimbursement offered under this benefit is up to USD 60 per day* (maximum 6 days).

Trip Cancellation and Interruption

If you’re forced to cancel your trip before the scheduled departure date or trips have been interrupted because of an unfortunate and unforeseen illness, death of your immediate family or inclement weather conditions, then we’ll reimburse you for the forfeited, non-refundable prepaid payments made prior to the departure date up to USD 600*.

• Financial Emergency Assistance

In case of substantial loss of travel funds while travelling because of theft, mugging, robbery or dacoity wherein there is a detrimental effect on the travel plans. then we’ll provide financial emergency assistance of up to USD 300* under our overseas travel insurance policy. This will help you continue your trip and make any necessary arrangements.

If you’re hospitalised for more than seven consecutive days during your trip, you cannot return to India and don’t have any companion with you, then our international travel insurance plan will ensure that you’re not left alone. Our Compassionate Visit benefit will cover will the travelling and accommodation costs of your immediate family member up to the limits specified in the schedule.

Note: The coverages and sum insured will vary as per the plan opted. Please read the policy wordings for complete details on coverages.

What’s Not Covered Under Reliance International Travel Insurance Policy?

As much as we would like to cover all possible risks, certain situations are beyond the protection of our plans. We like to maintain complete transparency with our customers so here's what we don't cover in our international travel insurance policy:

Medical Exclusions:

Our international travel insurance plan does not cover any pre-existing diseases and expenses incurred due to self-inflicting injuries or suicide, mental disorders, alcohol/drug abuse and sexually transmitted diseases. It also does not cover the expenses incurred if you’re travelling against the advice of a physician.

Baggage Exclusions

Our international travel insurance policy does not cover any partial loss or damage to your luggage. Loss of hand baggage is also not covered. Additionally, losses arising due to delays and confiscation by the customs authorities are not covered.

Journey Exclusions

Our international travel insurance plan does not cover any losses or damages incurred due to any war or nuclear threat in the country where you're travelling. It also does not cover the challenges faced due to theft or loss of passport when left unattended, or unreported to local police authorities.

Note: Please read the policy wordings for the full list of exclusions.

How to Choose an International Travel Insurance Policy?

Selecting the right overseas travel insurance is a crucial for securing your trip abroad. It is important to choose an international travel insurance policy that offers comprehensive coverage and high sum insured instead of a cheap international travel insurance that doesn’t protect you adequately. So, how do you choose the right online international travel insurance? Here are a few pointers for you:

Check International Travel Insurance Policy Coverage

Check if the international travel health insurance policy covers emergency medical expenses, passport loss, baggage delays, baggage loss, trip cancellations, trip delays, trip interruptions, etc. We recommend you to look for comprehensive coverage when buying an international travel insurance online. For example, if you face a situation where the airline has misplaced your checked-in luggage, then our Reliance Travel Care Policy will help you get reimbursed for the lost baggage.

Look for Medical Emergency and Dental Treatment Covers

Best international travel insurance plans offer cover for a wide range of medical contingencies. You could get admitted in the hospital due to some accident or sudden illness and your travel plan should cover you for the hospitalisation expenses. Even if you need emergency dental treatment while on your trip then your international travel insurance should reimburse you for that. Make sure you get a plan that covers you for all of the previously mentioned scenarios (check out the Reliance Travel Care Policy for all these covers)

Choose Need-Based Sum Insured

Every international travel insurance plan has a Sum Insured, which is the maximum amount that an insurance company will pay toward a claim. The higher the Sum Insured, the better financial protection you get against medical emergencies and other trip-related contingencies. While we recommend you to choose an online international travel insurance policy that offers a high Sum Insured of up to $500,000, you need to select a plan based on your requirements.

Evaluate Claim Settlement Process

You should always check the travel insurer’s claim settlement ratio and process before buying international travel insurance online. A higher settlement ratio and a smoother claim procedure will ensure your claim is successfully processed.

How to Buy International Travel Insurance Policy Online?

Buying international travel insurance for your upcoming trip isn’t as easy as buying your favourite chocolate. You need to choose the right travel insurance that meets your requirements while giving comprehensive protection during your stay abroad. That’s why we’ve made it simple to buy overseas travel insurance online – just follow our step-by-step guide and you’re good to go.

Step 1: Scroll to the top of this page and enter your details including travel type, mobile number, email ID and travel destination.

Step 2: Choose your preferred plan type and click on ‘Buy Now’.

Step 3: Check your premium details, enter your personal details and choose your preferred mode of payment.

Step 4: Get your international travel health insurance policy for your upcoming trip.

Factors that Affect Your Travel Insurance Premiums

Your international travel insurance premium is influenced by a combination of factors like the country you’re travelling to, your age and the duration of your trip. Check out the list below to know in detail how each factor affects your premiums: 

Your Travel Destination

The country you choose as your travel destination affects your international travel insurance premium as each country carries its own risk, which the insurer assesses. Therefore, your premium will go higher if you’re travelling across USA and Canada in comparison to travelling to Asian destinations.

Length of Your Stay

Your international travel insurance premium is affected by your trip duration. A shorter trip results in lower premiums because the chances of risk is lower and the opposite applies for longer trips where the risk is higher. If you spend more time in your holiday destination, there is a higher risk of injury or illness since you’ll be out travelling to enjoy your holiday.

Age of Traveller(s)

The age of all travelling members plays a role in the premiums too. Older people are associated with medical higher risk as they have a high probability of having pre-existing diseases, therefore the premiums for them would be higher. On the other hand, younger travellers will have lower premiums as they are usually fitter and have a low medical risk.

Type of Insurance Plan

Different international travel health insurance plans cover different needs. If you’re a student going abroad for education, then we have an international travel insurance plan for students. If you take multiple trips in a year, then we have an annual multi-trip travel insurance plan . The premium changes based on your need and the type of insurance plan for that need.

Sum Insured

Every travel insurance policy has different plans that offer varying amounts of the Sum Insured. The Sum Insured is the maximum value that an insurance company will pay towards your claim. The claim could be related to flight delays, missed connecting flights, trip delays or interruptions, medical expenses, lost passport, loss or delay of checked-in baggage. So when the Sum Insured is high, the premium will be higher.

How to File An International Travel Insurance Claim?

Cashless claim, register claim.

The insured, his family or the hospital has to intimate a claim with the correct certificate number to Reliance General Insurance within 24 hours from the time of admission in case of hospitalisation. Note that the hospital has to agree to provide the cashless facility.

Claim Settlement

To avail Worldwide cashless facility, call the below-mentioned numbers or International toll-free numbers given country-wise in your Policy Schedule for any emergency assistance.

National Toll-Free No.: 1800-209-55-22

Landline No.: +91-22-67347843/44 (Charges Applicable)

New International toll-free numbers

Reimbursement Claim:

The insured or his family has to intimate Reliance General Insurance within 24 hours of the occurrence of claim.

For reimbursement, submit the fully filled claim form along with the hard copies of all the required documents at the below-mentioned address:

Europ Assistance India Pvt Ltd. 7th Floor, Star Hub,  Bldg No. 2, Near ITC Maratha Hotel, Sahar, Andheri East, Mumbai – 400 059., India

What are the Documents Needed to File a Claim?

1. You need to complete the KYC Process as per the AML/CFT Guidelines issued by IRDAI. You also need to submit PAN/Form 60 along with the below-mentioned documents for your international travel insurance claim.

2. You need to submit the original ticket/boarding pass, a copy of the passport indicating the travel dates and the completed claim form for every claim.

3. You also need to submit original bills/vouchers/reports and discharge summary for all claims.

4. You have to submit an official death certificate and a physician's statement giving the cause of death to avail reimbursement of the costs of transporting the mortal remains of the Insured/Insured Person to the Republic of India or of costs of burial abroad.

5. For claims related to lost passport, you have to submit a Police Report obtained within 24 hours of the Insured/Insured person becoming aware of the theft along with the original bills/receipts of expenses incurred for new/fresh passport.

6. A Property Irregularity Report or other report is usually issued by the common carriers in the event of loss of checked-in baggage. A letter from the airline will also need to be submitted stating the compensation, if any received from them for the lost baggage.

7. In case of claims related to personal liability, you need to submit proof of judicial decision rendered by a Court.

8. For claims under financial emergency assistance benefit, the police report filed within 24 hours of becoming aware of the robbery needs to be submitted.

For a complete list of applicable claim documentation please visit here .

Want to extend your trip? Take a look at this-

If your holiday is extended for any reason, we recommend that you extend your travel insurance policy. It always better to be safe than sorry! Download and fill the Extension Form with Good Health Declaration Form & visit the nearest branch.

We offer overseas travel insurance for various destinations around the world. Click here to know more about  travel insurance for different countries.

Disclaimer:  *T&C apply.   Details mentioned here are for Reliance Travel Care Policy - Overseas Plan, UIN: RELTIOP08002V010708.  Premium: The premium mentioned is excluding taxes for a medical sum insured of $25,000 for an Individual of 20 years on an Asia trip of 4 days. This is applicable for Asia plan only.  ​Sum Insured: The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy – Individual – Platinum Plan.   Total loss of checked baggage: Maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of applicable sum insured and per item in baggage maximum 10%.

Relevant Links for Travel Insurance

Travel Insurance | Student Travel Insurance | Senior Citizen Travel Insurance | Multi Trip Travel Insurance ​

Travel Insurance for Top Destinations

USA Travel Insurance | Thailand Travel Insurance | Dubai Travel Insurance | Canada Travel Insurance | Schengen Travel Insurance | Singapore Travel Insurance | Vietnam Travel Insurance | Travel Insurance United Kingdom | Bali Travel Insurance | ​ Australia Travel Insurance | Malaysia Travel Insurance ​

Travel Insurance Articles

Interesting travel reads .

• Quick Facts

Any trip you take is exposed to various risks like accidents, trip delays, cancellations, loss of passport, etc. To protect yourself from such uncertainties is why you need an overseas​ t​ravel insurance policy. ​It provides the financial support you need in emergency situations and any losses you may face. Having an international travel insurance policy promises a hassle-free international trip.​

No, international travel insurance is not mandatory. However, certain regions and countries like the Schengen countries and Australia mak​e it mandatory to buy travel insurance before travelling.

A deductible is an amount you agree to pay from your pocket towards a claim. Your international travel insurance policy will cover the remaining claim​ amount after the deductible is cleared. Each travel policy comes wit​h a deductible clause and is mentioned in the policy wordings.​​​

The age criteria of our travel insurance policy depend on the plan opted. For example, we offer policies with an entry age of 3 months t​​o 60 years under our Individual plan; policies to citizens aged 61 to 90 years under our Senior Citizen plan; and policies to Individuals aged 16 to 35 years under our Student plan etc. 

Our travel policies are recogni s ed and accepted all over the globe. For your convenience, we have an international presence through our many service providers. Moreover, Reliance General Insurance has special travel insurance plans that will cater to whichever country you plan to travel to. ​

No, our travel insurance policies are designed to cover leisure or personal business trips only.

Yes, we have designed our travel insurance plans to meet the requirements of both a trip for leisure and business. Individuals travelling abroad for personal business purposes can avail themselves of our Travel Care Policy, while those who are frequent travellers can opt for our Annual Multi-trip plan.​

Yes, a travel policy is applicable for one-way travel also, including immigration travel with the condition that the maximum duration of coverage be 60 days.

​​An Emergency Assistance Service Provider or EASP is an organisation appointed by the insurance company to provide claim-related services to insured members on any international trip.

No, every individual is to be issued only one travel insurance policy during his/her journey.

Yes, it is mandatory for the customer to be present in India before buying a travel insurance policy.

If you cancel your policy before the start of the travel date, then a refund is applicable with a cancellation charge in case of non-travel. However, no refund is applicable if the Insured has travelled during the policy period.​

The policy can be extended only once during the trip at the request of the policyholder and approval of the insurance company. Policy extension cannot exceed a total of 365 day in total.

All emergency medical expenses incurred during the trip for inpatient and outpatient treatment, diagnostic services, transportation to the nearest hospital, etc. are covered under a travel insurance policy. So, in case of any injury or loss you will get adequately covered.

Yes, with Reliance Travel Insurance you can extend your travel plan! If your holiday is extended for any reason, we recommend that you extend your  international ​ travel insurance policy. Download and fill the  Extension Form and visit the nearest branch.

Reliance Travel Care Policy covers you for most medical and financial requirements and offers some additional assistance in case of any emergencies while travelling.

Any basic international​ travel insurance policy will cover you for:

• Medical Expenses Including Transportation, Evacuation and Repatriation of Mortal Remains
• Personal accident​

Apart from these, you can opt for covers like:

• Dental treatment
• Financial emergency assistance
• ​​Delay / Total loss of checked-in baggage
• Trip delay, Trip cancellation and interruption, Missed connection
• Loss of passport
• Home burglary insurance
• Personal liability

Our insurance policy doesn't have any specific cover that takes care of sporting interests. In case you meet with an accident while playing leisure sports, provided it's not part of a competitive event, you can use the personal accident cover of your policy. However if you are involved in extreme sports like bungee jumping, mountaineering, air gliding or ballooning, and meet with an accident, then the policy won't cover you. Here's a complete list of hazardous activities which are not covered under the basic policy.

In case you do lose your passport, your policy will reimburse you for actual expenses necessarily and reasonably incurred to get a duplicate or fresh passport.

However, the international travel insurance policy will not cover you if your passport:

• is confiscated or detained by customs officials, police offers or police authorities
• is lost on account of it being left unattended or forgotten in a public place or transport, hotel, apartment or a private place or vehicle
• has been robbed and you have not reported the incident to the local police within 24 hours of the event. We will require a copy of the report when you make the claim.

Your policy provides a reimbursement for delays​ in transportation of checked-in baggage beyond 12 hours. This is valid across all travel destinations that are mentioned in your ticket, including all halts as well.

This cover for delay will not be available in the following cases:

• If your baggage is lost, unless a Property Irregularity Report or equivalent report, issued by carrier, is procured and submitted.
• If there is partial loss of the items contained in the checked-in baggage.
• If items contained in the checked-in baggage, valued in excess of US $100, do not have appropriate proof of ownership.
• If the valuables, money, securities, tickets and passes or any other item(s) are not declared and agreed by the Company.​
• If the losses are a result of delay, detention, confiscation by customs officials or other public authorities.
• If the losses are incurred due to complete / partial damage of the checked-in baggage.
• If the checked-in baggage is delayed on the inbound sector to the Republic of India.

This amount will be up to a maximum, as mentioned in your policy schedule.​

The loss of handbag is not covered. Your  international travel insurance ​ policy pays or reimburses only for a delay in transportation of checked-in baggage accepted by a common carrier by which you/insured would be traveling. It is also mandatory that the common carrier has issued a baggage receipt for the trip.

​​As long as you are travelling by "Common Carrier" means any scheduled commercial airline or ship or vessel operating under a license from the relevant authority for the transportation of passengers for hire you stay covered.

Your international travel insurance has a personal liability cover that protects your liability under accidents that result in death, injury, damage to health or damage to the property of a third party. This also covers any hospitalisation expenses in case of any accidental injury.

Yes, it does. Your hospitalisation expenses will be covered in a quick and cashless manner. If you have been hospitalised for more than 2 consecutive days, you can even avail of a daily allowance subject to plan opted.

No, since this is a special service that provides assistance in times of financial emergency that may arise due to theft or robbery you will not be able to avail this cover if you’re short of funds/cash.

In case your flight is hijacked, your policy will compensate you, up to the maximum amount as mentioned in your policy, post the first 12 hours of hijacking.

In case your flight is delayed for more than 12 hours from the scheduled time, due to unforeseen circumstances like illness, death, delay due to bad weather, natural disaster, we will reimburse to you up to the maximum amount as mentioned in your policy.

If your plan covers home burglary, your house and valuables are covered for burglary or attempted burglary, up to the limit of sum insured. Please note that the cover does not protect you from losses sustained due to fire or other perils.

If you opt for the ‘Study Interruption’ cover, it provides you compensation in case:

• you are hospitalised for more than one consecutive month on account of any disease, illness, injury, terminal sickness or medical repatriation,
• an immediate family member or your sponsor expires, leading you to discontinue your studies for the remaining part of the current semester, the tuition fee for which has been paid.

Pregnancy, childbirth and any consequences thereof unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured/Insured Person's or the child's life in the event of acute complications, provided that the Insured/Insured Person has not completed the age of 38 years and 30th week of the pregnancy is not yet completed.​

If any illness / injury during the policy period abroad necessitates curative treatment beyond duration of this insurance, the Company's liability to pay benefits within the scope of this Policy shall extend for a further period of 30 days insofar as it can be proved that transportation home is not possible. Emergency Assistance Service Provider must be notified immediately as soon as it is known that Insured / Insured Person is unfit to return to India. If any new illness / injury is contracted beyond duration of this Policy, treatment for the same will not be covered.

In such a case, if the death or disablement occurs within 12 months from the start date of the policy, the company will process the claim as per terms and conditions of the policy in favour of beneficiary/nominee mentioned in the policy.

In the event the Insured/Insured Person is hospitalized for more than 7 consecutive days, and his/her medical condition forbids repatriation and no adult member of his/her immediate family is present, the Company after obtaining confirmation of need for a companion from the attending doctor and the Emergency Assistance Service Provider, will provide:

a) a round trip economy class air ticket, or first class railway ticket, to allow one immediate family member, during the entire period of insurance, to be at his/her bedside for the duration of stay in the Hospital;

b) expenses towards stay of the immediate family member during such compassionate visit.​​

​​When you and your family are on a foreign tour, Reliance Travel Care Policy covers your home/ home contents in India against burglary. It protects your house and valuables from burglary and/or attempted burglary, up to the limit of Sum Insured. This cover does not cover losses sustained due to fire or other perils.

Yes. Please read your policy document carefully to understand what risks you're covered for and what is not covered. Ensure that you have the cover you need.

​​No, an international policy is not extendable for domestic travel. Any medical or accident policy that you may have, will cover you for the relevant benefits, while you are travelling within the country.

​​​No, the policy will not cover any expenses if there is passport loss in India.​

There are various online methods to pay your premium and they are:

• Credit/debit cards
• Net banking

You can decide on the scope of the insurance based on your financial needs. Factors you should take into account are the number of travel days, the country you’re travelling to and type of risks you want to be covered for.

The policy cannot be extended online. The premium depends on the plan, age, geographical coverage and the number of days of primary policy opted and the extension number of days sought.

Currently there are no discounts available on our travel insurance plans however our travel plans come at nominal premiums with an extensive coverage and a high sum insured.

We have global network of Third-Party Administrators (TPA) who assist our customers to settle their claims abroad (the final decision on any claim made will be after receiving and assessment of all the documents).

You have two options here. You can go cashless by immediately intimating us in case of a medical emergency or loss. Following that we can process your cashless treatment in a hospital. You can also get your bills reimbursed after you clear your expenses from your own pocket. You can opt for reimbursement for facilities like OPD and doctor consultation which cost lower than a hospitalisation.

From the date of receipt of the last documents, it will take approximately 30 working days for the final settlement of the claim.

The original ticket/ boarding pass or a copy of the passport indicating the travel dates i.e. visa with entry and exit stamp plus the original bills and vouchers must be submitted along with the completed claim form for all claims.

Any other document(s) that we require from you to process the claim may be asked for, if we or the Service Provider requests that bills/ vouchers in a foreign language be accompanied by an appropriate translation then the same will be borne by claimant.

For medical claims: Medical Practitioner's Consultation notes, Original admission/ discharge card, Original Bills/ receipts with prescriptions and diagnostic/ investigative reports along with mandatory documents as claim form, copy of passport/ visa with entry and exit stamp and copy of the ticket and boarding pass.

Any other documentation as deemed necessary by the Company.​

Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy. However, life-threatening conditions arising out of a declared pre-existing disease that necessitates emergency medical procedures will be covered.

No such pre-approval is required before hospital admission in case of any medical emergency. Registration of claim is required to avail benefits under the policy. Please call the given numbers in the policy schedule to register your claim and confirm your coverage under the policy as soon as possible upon hospitalisation​, intimation can be done even by sending an email or making a call to our 24x7 emergency assistance partner on provided email address or toll-free numbers. Please refer to the policy schedule for contact details.

A sub-limit​ is a limit placed on a specific type of coverage within an insurance policy. In travel insurance, a sub-limit is placed on the coverage for medical expenses for insured members of a specific age. So older members will be able to utilise only part of the sum insured amount for a medical emergency because of a sub-limit.

​​The claim procedure involves intimation and settlement.

The first step you take is to inform the Emergency Service Assistance Provider (EASP) by calling them on the Help Line number or via email. The hospital has to get in touch with the EASP and confirm if they want to accept the cashless facility and submit all the medical documents and bills to the EASP. Post this, the EASP will assess the claim and place a Guarantee of Pay (GoP) to the hospital.

In case the hospital does not agree to the EASP’s GoP, you can settle the bill with the hospital and later get reimbursed from Reliance General Insurance.

Medical Assistance & Emergency Services are provided by our Service Provider, Europ Assistance who are at your Service 24*7 during trip duration. Please provide Immediate intimation of any claim / requirement for emergency assistance while abroad to ensure that the Claim is not prejudiced. Please contact the International Toll Free Helpline numbers given below. In case of any requirement for emergency assistance whilst abroad, please contact the toll free helpline numbers given below:

Singapore and Thailand — 001-80099441111,

Hong Kong — 001-80099441111 and 006-80099441111,

USA — 18337426673,

Canada -011-80099441111 ,

Australia —0011-80099441111,

Japan — 001-010-80099441111 and 010-80099441111,

Israel — 00-80099441111 and 014-80099441111,

Greece —86002038017,

Argentina— 00-80099441111,

Austria— 00-80099441111,

Belgium— 00-80099441111,

China— 00-80099441111,

Czech Republic— 00-80099441111,

Denmark— 00-80099441111,

France— 00-80099441111,

Germany— 00-80099441111,

Hungary— 00-80099441111,

Italy— 00-80099441111,

Malaysia— 00-80099441111,

Netherlands— 00-80099441111,

New Zealand— 00-80099441111,

Norway— 00-80099441111,

Philippines— 00-80099441111,

Poland— 00-80099441111,

Portugal— 00-80099441111,

South Africa— 00-80099441111,

Spain — 00-80099441111,

Sweden — 00-80099441111,

Switzerland— 00-80099441111,

Taiwan — 00-80099441111,

United Kingdom — 00-80099441111

Dedicated National Toll Free Help Line : 1800 209 5522

Land Line : +91 22 67347843 +91 22 67347844  

Email : [email protected]

The Trip Delay cover reimburses you for any reasonable additional expenses incurred in the event of a trip delay lasting over 12 hours due to unforeseen circumstances such as inclement weather conditions, loss of passport or travel documents, or unforeseen illness or injury of an immediate family member. The reimbursement amount will be pay as per the sum insured specified in the policy schedule.

If your checked-in baggage is delayed for more than 12 hours or misdirected by the airline, then you get reimbursed for the expenses of “Necessary Emergency Purchases”. Necessary Emergency purchases includes clothes, toiletries and medication.

If your checked-in baggage is completely lost by the airline, then you’ll get compensated for the same lost baggage up to the market value. Note that any partial loss of checked-in baggage will not be covered. Please check the policy wordings for full details of this cover.

If your trip is interrupted or you’re forced to cancel your trip before the scheduled departure date due to unexpected illness, death of your immediate family member, or inclement weather conditions, then you’ll get reimbursed for the forfeited, non-refundable prepaid payments made prior to the departure date. Please check the policy wordings for full details of this cover.

If you’re hospitalised during your trip and it can be proved that you need to continue treatment even after your policy expires then we’ll cover, you for an extra 30 days under the policy you bought. Please check the policy wordings for full details of this cover.

​Sum Insured is the maximum amount we as an insurance company will pay towards the claims that you as a policyholder raise. It is the agreed upon amount stated in your policy document which will cover your risks up to a certain limit.

Reliance General Insurance shall not be liable to make any payment under this benefit in connection with or in respect of any expenses whatsoever incurred by you for:

1. Medical treatment abroad if that is the sole reason or one of the reasons for temporary stay abroad.

3. Treatment which could reasonably be delayed until the Insured/Insured Person's return to the Republic of India. The question of what can or what cannot be reasonably delayed will be decided jointly by the treating Physician and the Emergency Assistance Service Provider.

4. Treatment of orthopedic, degenerative, oncological diseases, unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured/Insured Person's life or measures solely designed to relieve acute pain in any case excluding chemotherapy or radiotherapy expenses.

5. Charges in excess of reasonable and customary charges incurred on account of an insurable event as per the determination by the Emergency Assistance Service Provider.

6. Expenses incurred in connection with cancer treatment, unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured / Insured Person's life or measures solely designed to relieve acute pain.

7. Treatment relating to the removal of physical flaws or anomalies (cosmetic treatment or 'plastic' surgery in any form or manner).

8. Expenses incurred in connection with rest or recuperation at a spa or health resort, sanatorium, convalescence home or similar institution.

9. Expenses related to mental or psychiatric disorders.

10. Pregnancy, childbirth and any consequences thereof unless diagnosed as a Life Threatening Medical Condition by a Medical Practitioner.

Please refer policy wordings for complete list of exclusions.

You can visit any Dentist / Clinic for Emergency Dental relief and avail the treatment, and you can get reimbursed for emeregncy expenses at the dental clinic. Ensure you collect consultation notes, receipts and X-Ray reports from the dentist, which you need to submit to our claims department. You can intimate the claim after your treatment on our 24x7 emergency assistance department number and we will assist you with the claim procedure.

Yes, you can file a travel insurance claim in India upon return within 30 days from the Policy expiry date or date of your return to India whichever is earlier. However, it is advisable to file a claim while abroad as soon as any incident occurs leading to the claim under the Policy.

Reimbursement of all claims (except claims under Financial Emergency Assistance) will be made by the Emergency Assistance Service Provider (or Service Provider) in Indian Rupees on your return back to India, at the exchange rate specified by the Reserve Bank of India, as applicable on the date the amount is billed. Claims under Financial Emergency Assistance shall be settled/arranged directly to you, whilst abroad, by the Service Provider. You shall immediately and in any event not later than 30 days after his return to India, notify the Service Provider and obtain a Claim Form for completion and return to the Service Provider along with supporting invoices and any other documentation or information that might be required or requested by the Service Provider.

We shall reimburse the expenses subject to approval of by cheque on the name of the insured.

The Third Party Administrator (TPA) or Emergency Assistance Service Provider means persons, or organisations​ who have been appointed by us to provide administrative services on our behalf and at our direction for an Insurable event. You can contact our Emergency Assistance Provider Europ Assistance India Pvt. Ltd. in case of any claim.

You can contact our Emergency Assistance Provider Europ Assistance India Pvt. Ltd. on the numbers specified on the Policy schedule.

Your cover beings on the start date specified in the Policy when you commence your journey by the specified airline (Common Carrier) outside the Republic of India till that date you return to India or the Policy expiry date whichever is earlier.

There is no specific list of hospitals or network which we have since the Policy covers all the hospitals and Service Providers abroad. In case of an emergency hospitalisation, you have to contact the emergency service provider and register the claim for cashless processing of your claim.

Coverage under this Policy is limited to the checked-in baggage which is entrusted with the airline (Common Carrier) during your trip.

You need to report this to the nearest Police station and visit the Embassy. Expenses incurred towards the procurement of a duplicate / temporary passport is covered due to loss of passport. Please check the policy wordings for full details regarding this cover.

You can visit any hospital/doctor and intimate us through a Service Provider to get your cashless or reimbursement claim.

The limit for all kind of expenses and what is included and not is mentioned in the policy wordings. We recommend you go through the same for all the details.

No, for any dental treatments or even outpatient treatments, you can only get reimbursed for your claims after you’ve paid for them first.

If you or any of the travelling members covered under the policy meet with an unfortunate accident that leads to total or partial disablement or death, then we'll compensate you or the legal heir for the loss. Here's a brief description of the compensation under the cover:

• In case of death, 100% of the Sum Insured (SI) is given if the insured was 18 years and above (50% of SI if insured is below 18 years).
• In case of loss of sight in both eyes, loss of hands and legs, then 100% of the Sum Insured can be claimed.

For a detailed table of the Personal Accident cover, please read the policy wordings .

In the unfortunate event, where the insured person becomes legally liable for death, injury or damage to the health of such third party or damage to his/her properties then the Personal Liability cover takes care of your legal expenses and the compensation that you have to pay to the third-party as per court of law upto the specified limits mentioned in the policy.

​​No, you cannot raise a claim for any treatment done after you return to India. Nor does it cover any treatments done before your trip commences.

You have to register a claim by contacting our Emergency Assistance Service Provider. After the claim registration, you can arrange and submit the supporting documents to the claims department. Once that’s done, our claims department will review the documents to ascertain the claim admissibility and update you if there is any additional requirement. Once a claim is found admissible, we shall update you and process the final reimbursement amount as per Policy terms and conditions.

No, there is no such card which we issue along with the Policy copy. You can submit the copy of your Policy schedule in the hospital & simultaneously contact our Emergency Assistance Service Provider to intimate the claim.

Yes, under the policy transportation to the nearest hospital and cost of an accompanying friend or colleague is covered. Air ambulance is also covered if deemed medically necessary and after the approval of our claims team. Please read the policy wordings for full details of this cover.

No, medicines purchased over the counter from a pharmacist are not covered unless and until prior consultation is sought from a Medical Practitioner and same is prescribed as a part of treatment. You have to consult a doctor and supporting consultation notes & prescriptions are required to claim for these charges.

In the absence of the required mandatory original documents, we will regrettably not be able to process the reimbursement amount.

If you lose all the original documents and thus are unable to produce the same at the time of raising a claim, then we’ll regrettably not be able to process the reimbursement amount.

Extension of the Policy during the duration of the trip can be done only once at the sole discretion of Reliance General Insurance. The Insured / Insured Person shall submit a declaration letter clearly mentioning the claims filed during the original Policy duration and also that he / she is unaware of any existing health condition which could result in a claim during the extension period.

In case a claim has been filed in the original Policy duration, then the Policy may be extended only if the claim filed relates to the following benefits:

• Total loss of checked baggage
• Delay of checked baggage
• Trip cancellation interruption
• Missed connection

The extension of any Policy is at our sole discretion, and we will not be liable to offer any reason to the Insured / Insured Person if the Policy is not extended.​

No, there is no such pre-approval required before hospitalisation.

Unless and until a family floater policy is purchased, individuals will require a separate policy for each of them, and separate set of claim documents in case of any claim.

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Dear Reliance General Insurance Team, I had an opportunity to chat with Somil for my policy extension. Somil’s understanding and expertise with the subject is par excellent. Somil has made me comfortable with his utmost professionalism. I wish him good luck with Reliance and I award him 5 Stars for my today’s interaction with Somil. Keep up your good work.

Hi, I'm just appreciating your service team member, Mr. Vikas Agrawal for an outstanding service provided. Resolution to the problem was quickly solved. Thank you & Good luck to the team for the support.

Purchased travel insurance from reliance to ensure my baggage safety

Travel insurane from Reliance General provides me baggage coverage and I feel secured

Missed my connecting flight to New Zealand. Thank God I had travel insurance. Reliance General really helped me out.

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Overseas Travel Insurance

So why not secure yourself on vacations too?

• travel insurance
• overseas travel insurance

How to book Travel Insurance with Thomas Cook

Submit details, select best suitable plan, enter travel info, policy issued, have our expert call you shortly....

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Travel Insurance Benefits: How we can take care of you?

Medical expenses.

Covers Hospitalisation Expenses due to illness or injury

Covers emergency Out Patient Department Expenses

Loss of Checked-in Baggage and Passport

Get compensation for value of lost checked in baggage

Compensation for expenses incurred to replace lost passport

Missed Flight Connection

Compensation in case of cancellation of ticket due to missed flight

Reimbursement of the additional cost of transportation

Financial Emergency

Financial assistance provided in case of emergency

Financial allowance in case of accidental loss of money

Emergency Hotel

In case of delay in departure additional hotel expenses covered

Expenses covered up to sum insured amount

Frequently asked Questions - International Insurance

• What is the best insurance plan when travelling to countries in the Schengen countries? Although there are a host of policies that you can opt for when travelling to a country in the Schengen region, you must ensure that the minimum sun insured in your policy is approx. USD 50,000 or INR 7,65,000/-. Travel insurance is essential in events such as a medical emergency, accident, passport loss, baggage loss etc. Travel insurance can be used for personal and business travel purposes. Travel insurance policies insurances, you have a failsafe in case of any emergence overseas and are not let stranded during emergent situations. There are different policies you can opt for and each very in price and inclusion.
• How long is the insurance coverage valid for? Can it be extended? Travel insurance policies can be purchased for up to 180 days ata time and can be extend for another 180 days. You can renew the policy before the expiration date, in fact it is advised to do so. As some insurance providers may not renew the policy once it expires and you will lose all the unclaimed benefits of the same.
• Which Travel insuarance is available at Thomas Cook? It depends. An Indian citizen will get benefit from many favourable travel arrangements with countries around the world and the fee may be waived off. In other circumstances, one will have to pay for the visa.
• Can business travellers buy travel insurance? Yes, if you are travelling overseas for business purposed you are eligible for travel insurance policies. Travel insurance is essential in events such as a medical emergency, accident, passport loss, baggage loss etc. Travel insurance can be used for personal and business travel purposes. Travel insurance policies insurances, you have a failsafe in case of any emergence overseas and are not let stranded during emergent situations. There are different policies you can opt for. Each very in price and inclusion. Some countries have their own specific requirements that need to be fulfilled. Claims can be settles overseas or upon you return to India.
• What is baggage and personal effect loss? Most insurance service providers issues policies that include benefits that provide claim to their customers in case of loss of baggage and personnel effects. Policy covers loss in cases such as, the baggage has been checked in, baggage is lost when travelling in cab after existing the airport, loss of baggage during lay overs and transfers of airlines. The claims issues will be limited to the sum insured in the policy at the time of purchase. Beware that claims pertaining to baggage and personal effect loss, may not be covered in all policies. So, make sure you read the fine print carefully, before finalising your purchase.
• Is there and coverage on hand baggage? Some policies do offer loss of hand bag, the claim benefits may vary from insurance provider to provider. Claims pertaining to loss of hand baggage are valid from the moment you clear air port security and until the completion of your trip. Loss of hand baggage will be treated as a loss of total baggage, check baggage included. And the claims issues will be limited to the sum insured in the policy at the time of purchase. Beware that claims pertaining to hand baggage loss, may not be covered in all policies. So, make sure you read the fine print carefully, before finalising your purchase.
• How can I Pay for my policy? Most insurance providers offer a many mode of payments such as: - Credit Card: All major international credit cards such as Amex, Master and visa cards. - Net Banking: Most National and private banks offer net banking services and can be availed to make online payments. - Debit card: All major international debit cards such as Amex, Master and visa cards.
• When can I expect policy documents after successfully purchasing one online? Weather you purchase the policy in person or online, you can expect the hard copy of the same within 7-10 working days. Although, this may vary from insurance provider to provider. The best way to purchase the policy, is online as the process does not take long and you can download and print the soft copies immediately. This is most effective if you have limited time before your travel date. Documents download online, are valid legally and will be accepted at the time of claim. The preliminary documents required at the time of submitting a claim is the policy documents, original or downloaded, policy number and passport details. Make sure you read the fine print carefully, before finalising your purchase.

Traveller Blog

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What people are saying

I had finally booked my ticket for a Euro tour and was so excited to travel alone for the first time. While I was not expecting to get robbed, I lost my passport and my documents while on the trip. Thankfully, I applied and taken overseas travel insurance for my Schengen trip, which provided coverage for loss of passport. I could immediately apply for a replacement passport, thanks to my travel insurance. - Rahul Kapadia, Bangalore

I realized the importance of travel insurance when I booked my first trip to Europe. Thomas Cook’s overseas travel insurance policies are extremely reliable and comforting. I was completely stress-free during my vacation in Europe as I did not have to worry about loss of baggage, loss of passport and hotel emergency. All these unforeseen circumstances are taken are care of if you have booked Thomas Cook’s overseas travel insurance. - Meena Jain, Surat

Travelling abroad comes with a lot of risks and you can easily tackle all that with Thomas Cook India’s overseas travel insurance policies. Just make sure your insurance is booked along with all your other bookings and you will be rest assured about everything on the trip. – Ashish Trivedi Nagpur

What does our policy cover

Special terms & conditions.

• Proposed rates are for a Single trip policy for the custometrs of TCIL.
• The Insured should be an Indian Resident and between 1 to 70 yrs of age and should hold a valid bank account in India
• The Insurance cover will be valid from the date of commencement of the trip till the date of return to the usual City of Residence or Place of origin
• Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy.
• Hospitalisation” means a minimum 24 consecutive hours stay in a Hospital to avail of medical treatment for an Injury or Illness, undergone as per the advice of a Medical Practitioner.

EXCLUSIONS for Medical cover, Personal Accident

• Losses arising out of incident(s) arising whilst the Insured is engaging in aviation / ballooning / while mounting into or dismounting from or traveling in any balloon or aircraft other than as a passenger (fare paying or other wise)
• Losses arising out of incident(s) arising whilst the insured is engaging in adventurous or hazardous activities
• Fog cover not included for Trip Cancellation and Interruption and Trip Delay
• Losses arising out of common carrier contingencies will not be covered
• Strike or other job action by employees of common carrier forming part of the trip shall not be covered under the policy
• Equipment failure of Common Carrier forming part of Trip shall not be covered under the policy

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Extended Warranty 1800-209-1021

Agri Claims 1800-209-5959

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What is Travel Insurance? Know Your Basics

Embarking on a journey, especially across borders, is an exciting adventure full of new experiences. To make your travel dreams a reality, consider the invaluable shield of international travel insurance.

International travel insurance is your go-to partner, ensuring your peace of mind throughout your global explorations. It's like having a guardian angel that steps in to support you when unexpected challenges arise during your trip. This comprehensive coverage is tailored to address various concerns that might interrupt your travel plans.

Imagine this: Your luggage goes missing, or you need unexpected medical attention abroad. International travel insurance steps in to cover the costs of lost belongings, medical expenses, and even unforeseen trip cancellations. It's not just about financial protection; it's about ensuring that your travel moments are stress-free and memorable.

Now, with the convenience of online travel insurance, you can secure your journey with just a few clicks. Online travel insurance brings the power of comprehensive coverage to your fingertips, allowing you to customize your policy based on your unique travel needs.

In essence, international travel insurance is your golden ticket to worry-free travels. It's the assurance that, no matter where your adventures take you, you have a reliable companion by your side. So, before you jet off on your next escapade, unlock the magic of travel insurance – because every journey deserves the security and peace of mind that comes with this customer-centric and customizable protection.

Do You Really Need Travel Insurance in India?

Embarking on a journey within India or beyond its borders? The answer to whether you need travel insurance is a resounding yes! Beyond being a mere precaution, travel insurance is your trusted companion, offering a safety net that transforms uncertainties into manageable experiences.

Whether you're exploring the vibrant landscapes of India or venturing internationally, travel insurance provides a crucial layer of protection. The unforeseen can happen anytime – flights get cancelled, baggage goes missing, or medical emergencies arise. Here, travel insurance steps in, ensuring you're covered financially and allowing you to navigate these challenges with ease.

The convenience of online travel insurance has revolutionized the process. With a few clicks, you can customize your coverage to match your specific travel requirements. It's a customer-centric approach that puts you in control, ensuring you get the protection you need without any hassle.

For those venturing abroad, international travel insurance becomes even more necessary. It covers medical expenses, trip cancellations, and unexpected events, offering a comprehensive shield against uncertainties in foreign lands.

In the heart of your travel plans, consider travel insurance as your indispensable ally. It goes beyond being a mere necessity; it's an investment in peace of mind. So, whether you're exploring the diverse landscapes of India or jet-setting across borders, don't embark on your journey without the security and assurance that a travel insurance cover provides. It's not just a precaution; it's your key to navigating peace of mind during every adventure.

What Are the Features of a Travel Insurance Plan?

Traveling can be an exciting adventure, but unforeseen circumstances can turn a dream vacation into a nightmare. That's where international travel insurance comes in, offering a safety net to protect you from unexpected events. In this article, we'll delve into the essential features of travel insurance that make it a crucial companion for any journey.

Protection / Coverage for Flight-Related Incidents:

Trip cancellation coverage:, emergency cash advance:, annual emergency evacuation coverage for frequent travelers:, unified family coverage:, cashless medical treatment:, tailored plans for every age:, protection against baggage/passport loss:, protection against home burglary:, seamless claim settlement with trip delay delight:.

Read more about: Travel Insurance Features

Why Should You Opt for a Travel Insurance Policy from Bajaj Allianz?

Why Travel Insurance?

WHAT ARE THE DIFFERENT TYPES OF TRAVEL INSURANCE POLICIES THAT YOU CAN BUY?

We offer different plans to suit your specific needs. Choose from Travel Care, Travel Secure, Travel Value, Travel Family, Travel Age, Corporate Package, and Study Companion.

Let's delve into the diverse landscape of travel insurance policies available in the country.

Individual Travel Insurance:

Coverage: Tailored for solo travellers, this policy offers comprehensive coverage for medical emergencies, trip cancellations, baggage loss, and other unforeseen events.

 Benefits: Personalized protection for the individual's travel needs, ensuring financial security in case of emergencies.

Individual plan consists of:

A special travel insurance plan for individuals going abroad that takes care of all medical needs, including hospitalization and other unexpected costs, all at a much lower price than what you might otherwise spend.

A travel insurance plan that offers extra coverage for medical situations, including hospitalization, lost baggage, and other unexpected expenses. Additionally, it provides special benefits like coverage for trip delays and a Golfer's Hole-in-One.

This policy provides great value for individuals traveling abroad. It includes coverage for all medical situations, hospitalization, and additional expenses, with enhanced medical coverage of $500,000 and an increased limit of $1,500 for emergency cash.

This is a tailored package designed for individuals traveling to Asia. Travelers can choose from Travel Asia Flair and Travel Asia Supreme based on their coverage needs. These packages are highly convenient, offering coverage options for durations ranging from 1 to 30 days.

Read more about: Individual Travel insurance

Family Travel Insurance

Coverage: Designed for families traveling together, this policy extends coverage to all family members, providing a collective safety net.

Benefits: Cost-effective and convenient, offering a single policy to cover the entire family's travel-related risks.

If you're traveling abroad with your family, this package is tailored for you. It provides coverage for the entire family (self & spouse up to 60 years of age, two children under 21 years) for medical events abroad and extends a floater benefit to individual family members.

Student Travel Insurance

Coverage: Geared towards students studying abroad, this policy includes coverage for medical emergencies, tuition fees, and other education-related expenses. Benefits: Specifically addresses the unique needs of students, providing support for academic and non-academic challenges.

Read more about: Student Travel Insurance

Senior Citizen Travel Insurance

Coverage: Tailored for elderly travellers, and the health needs of those between 61- 70 years of age. This policy addresses age-specific health concerns and provides coverage for medical emergencies and trip interruptions.

Benefits: Ensures that senior citizens can travel with peace of mind, knowing they are protected against potential health issues.

Read more about: Senior Citizen Travel Insurance

Corporate Travel Insurance

Coverage: Catering to businesses and their employees, this policy offers coverage for work-related travel, including medical emergencies and trip cancellations.

Benefits: Provides a safety net for employees on business trips, promoting corporate responsibility and employee well-being.

In conclusion, the diverse range of travel insurance policies available in India reflects the evolving needs and preferences of travellers. Each policy is crafted to address specific aspects of travel, providing a safety net and financial security during journeys. Choosing the right type of travel insurance depends on individual circumstances, ensuring that travellers can explore the world with confidence and peace of mind.

Read more about: Corporate Travel Insurance

WHAT ARE THE DIFFERENT PACKAGES IN THE TRAVEL COMPANION POLICY?

Traveling opens up new horizons and experiences, but it also brings along the potential for unexpected challenges. To mitigate these uncertainties, international travel insurance has become an integral part of trip planning. There are a variety of travel insurance policies catering to different needs and preferences. Bajaj Allianz stands out as the most trustworthy travel insurance companion that has a range of plans to suit your needs.

Who can use Travel Companion?

Why travel companion, what does travel companion policy cover, does travel companion offer cashless service, does travel companion help you with urgent cash abroad, what is the usp of travel companion, know your travel insurance policy’s coverage.

Traveling is an exciting adventure filled with new experiences, but it's crucial to be prepared for the unexpected. This is where international travel insurance comes into play, serving as a safety net that provides financial protection and assistance during unforeseen circumstances. To make the most of your travel insurance, it’s essential to understand its coverage thoroughly. Let’s explore the key aspects of travel insurance coverage to ensure you have a worry-free journey.

Medical Coverage

One of the primary components of travel insurance is medical coverage. This aspect ensures that you’re financially protected in case of medical emergencies during your trip. It typically includes coverage for hospitalization, emergency medical care, dental treatment, illnesses and any acute or chronic conditions, injuries, surgeries, alternative treatments, co-payment, deductibles, and related expenses. Before purchasing international travel insurance, check the medical coverage limits and make sure they align with your needs. .

Trip Cancellation and Interruption

Travel plans may unexpectedly change due to various reasons such as illness, natural disasters, or unforeseen events. Trip cancellation coverage reimburses you for non-refundable expenses if you need to cancel your trip before departure. Similarly, trip interruption coverage provides reimbursement for unused, non-refundable trip costs if your journey is cut short.

Loss of Baggage and Personal Belongings

Losing your luggage or valuables can be a significant inconvenience during a trip. Travel insurance often includes coverage for lost, stolen, or damaged baggage. This coverage can also extend to personal belongings such as cameras, laptops, or other valuables. Be sure to understand the coverage limits and any exclusions related to high-value items.

Travel Delay and Missed Connections

Travel delays and missed connections can disrupt your itinerary. Travel insurance typically offers coverage for additional expenses incurred due to unexpected delays, such as accommodation, meals, and transportation. Review the policy to understand the time thresholds and the documentation required for making a claim.

Emergency Assistance Services

Beyond financial coverage, many travel insurance policies provide emergency assistance services. This may include a 24/7 helpline for medical emergencies, travel assistance for replacing lost travel documents, and coordination for emergency evacuations. Familiarize yourself with these services to know what support is available during your travels.

Pre-Existing Medical Conditions

Individuals with pre-existing medical conditions should pay close attention to the policy’s terms regarding coverage for such conditions. Some travel insurance policies may exclude pre-existing conditions, while others may offer coverage or require additional premiums. Be transparent about your health history when purchasing insurance to avoid any complications later.

Policy Exclusions and Limitations

Thoroughly read the policy documents to understand exclusions and limitations. Common exclusions may include events related to war, terrorism, or pre-existing conditions. Knowing these limitations ensures that you have realistic expectations about what your travel insurance can and cannot cover. In conclusion, a well-informed traveler is better equipped to make the most of their travel insurance coverage. Before embarking on your journey, carefully read and understand the terms and conditions of your policy. If you have any questions or uncertainties, don’t hesitate to reach out to the insurance provider for clarification. With a clear understanding of your travel insurance coverage, you can enjoy your travels with peace of mind, knowing you’re prepared for whatever comes your way.

Is It Possible to Extend Your Travel Insurance Coverage?

Absolutely! At Bajaj Allianz General Insurance, extending your travel insurance coverage is both possible and hassle-free. Whether you prefer the convenience of online or the personalized assistance of offline methods, we've got you covered. Simply reach out to us online or through our agents to explore your options and ensure continuous protection throughout your travels.

Do Travel Insurance Policies Provide Protection Against COVID-19?

The global travel landscape has witnessed unprecedented changes since the onset of the COVID-19 pandemic. With travel restrictions, quarantine mandates, and health concerns looming large, the significance of international travel insurance has come to the forefront. Many travellers are left wondering: Does travel insurance cover the uncertainties associated with COVID-19?

Understanding the Basics: What Does Travel Insurance Typically Cover?

Before delving into the specifics of COVID-19 coverage, it's essential to grasp the fundamental aspects of international travel insurance. Traditionally, travel insurance offers protection against various unforeseen events such as trip cancellations, medical emergencies, baggage loss, and travel delays. These coverages have been staples in travel insurance policies for years.

The Emergence of COVID-19 and Its Impact on Travel Insurance

As the pandemic unfolded, the travel landscape faced disruptions, prompting both insurers and travellers to re-evaluate their needs. Travel insurance providers responded by introducing new policies and adapting existing ones to address the challenges posed by the virus.

One of the primary concerns for travellers is the potential need to cancel or interrupt their trip due to COVID-19-related reasons. Standard trip cancellation coverage typically includes unforeseen illness or injury to the traveller, their travel companion, or a family member. However, international travel insurance policies may vary regarding coverage for pandemic-related cancellations.

Some insurers now offer Cancel for Any Reason (CFAR) coverage as an optional add-on. CFAR allows travellers to cancel their trip for reasons not typically covered by standard policies, offering a higher degree of flexibility. It's crucial to carefully review policy details to understand the scope of coverage.

Medical Expenses and Emergency Assistance

Medical coverage has always been a vital component of international travel insurance. In the context of COVID-19, policies generally cover emergency medical expenses if a traveller contracts the virus during their trip. This includes hospitalization, doctor visits, and other necessary medical treatments. However, coverage may be subject to policy terms and conditions, and pre-existing conditions may impact eligibility.

Emergency assistance services, which provide guidance and support during medical emergencies, have become even more crucial in the current scenario. Travelers should be aware of the assistance services available to them, including COVID-19-related guidance.

Quarantine Expenses and Trip Delays

The unpredictable nature of the pandemic has led insurers to address quarantine-related expenses and trip delays. Some policies now offer coverage for additional accommodation and meal expenses incurred during mandatory quarantine periods. Trip delay coverage may also extend to delays caused by COVID-19-related issues.

Testing Requirements and Documentation

Given the prevalent testing requirements for international travel, some insurance policies may cover the costs of COVID-19 testing when deemed medically necessary. It's essential for travellers to familiarize themselves with the specific testing-related provisions in their policies and ensure compliance with any documentation requirements.

COVID-19 Coverage with Bajaj Allianz Travel Insurance:

Conclusion:.

As the world adapts to the new normal, international travel insurance has evolved to address the unique challenges posed by the COVID-19 pandemic. While policies vary, travellers can find coverage tailored to pandemic-related concerns. Thoroughly reviewing policy terms, considering optional add-ons, and staying informed about the latest developments in travel insurance are crucial steps for ensuring a protected and informed travel experience.

Extending Travel Insurance Online:

Those who do not want to go through the time-consuming offline process can extend travel insurance online. Going by this method, you will save time and also some money that is spent on travelling to the branch or meeting with the agent.

Visit the Bajaj Allianz website and go to your travel insurance policy page. Click on ‘extend’ and read through the existing benefits along with identifying if you want to add other coverage benefits and update the policy.

If applicable, submit the additional documents. If not, you can straightaway go to the payments page and initiate the same via Credit card, Debit card, or Net Banking.

Once the payment is confirmed, you will receive the soft copy of your insurance policy on your email address.

Extend Travel Insurance Policy Offline:

Offline extension means that you will either have to get in touch with your agent or visit the branch and complete the formalities there.

Contact the agent or visit the branch before the existing insurance policy ends. Take the time you have to review your existing policies and its benefits. If you want to add something to your coverage, ask the agent to do the same.

After reviewing the travel insurance policy, ask for the additional forms or applications pertaining to the add-ons, only if applicable. Submit the required documents (ask the agent or the branch representative for the same).

Carefully review the policy documents, conditions, and guidelines before you pay the premium while buying travel insurance in India.

In offline processing, you have to make the payment via cheque. Make sure that the beneficiary in the cheque is the insurer and not the agent or the representative you are consulting.

What Are the Different Add-on Covers Available in Your Travel Insurance Policy?

Traveling opens doors to new experiences, cultures, and adventures. While planning your journey, it's crucial to consider the unexpected. Enter add-on covers, the unsung heroes of your travel insurance policy. In this article, we'll delve into the world of these additional safeguards that can make a significant difference in ensuring a smooth and stress-free travel experience.

Let’s find out how you can maximize your protection with Add-Ons and Optional Covers in Travel Insurance

Enhance your travel insurance with Add-On Covers – the extra layer of protection to shield you from unexpected financial burdens. More add-ons mean a higher premium, so choose wisely. Here's a peek at what our travel insurance offers:

1. Trip Delay Delight:

Reimburses financial losses due to trip delays or cancellations up to policy limits, tailored for one trip, round trips, or multiple journeys.

2. Schengen Cover:

Covers expenses related to repatriation for medical reasons or urgent health conditions, including emergency hospital treatment or unfortunate events like a death.

3. Compassionate Visit by a Family Member:

Say goodbye to cutting short your journey due to family emergencies. This cover ensures a family member's visit is covered up to specified limits.

4. Emergency Hotel Accommodation:

For Family Member: Covers hotel expenses for a family member in urgent situations. For Insured and Family Member: Extends coverage to both the insured and family members for emergency hotel accommodation.

5. Escort for Minor Child

If you're traveling with a minor, this travel insurance cover ensures their safe journey by covering associated expenses up to specified limits.

6. Loss of Personal Belongings:

Whether it's lost luggage or a passport, this cover has got you covered, easing your troubles during unforeseen circumstances.

7. Replacement and Rearrangement of Staff:

Unforeseen staffing issues? This cover has your back, with rules and limits to guide you through the process.

Optional Covers:

These are bonus features for those opting for different travel insurance policies:

1. Pre-existing Illness Coverage:

Covers existing diseases or conditions at the time of policy purchase, offering functional coverage for your journey.

2. HIV and AIDS:

An optional cover for any age, ensuring coverage for complications related to HIV & AIDS, mitigating risks for those traveling without adequate insurance.

3. Maternity and Baby Cover from Day One:

Extra benefits for expecting mothers, providing coverage from day one of pregnancy, making your journey worry-free.

4. Mental Illness and Alcohol-Related Disorder Cover:

Beyond physical ailments, this optional cover includes mental health and alcohol-related disorders, allowing you to tailor your plan to suit your needs.

When you travel, unforeseen circumstances may emerge, and in such scenarios your insurance should be more than just a policy—it should be a personalised shield. The various add-on covers in your travel insurance policy are designed to cater to specific needs, offering enhanced protection beyond the ordinary.

Whether it's Trip Delay Delight, Schengen Cover, or optional add-ons like Pre-existing Illness Coverage and Maternity Benefits, each component is a strategic layer of defence. Choose not just insurance but a travel companion that understands and adapts to your unique journey.

With Bajaj Allianz General Insurance, your travels are not just secured; they are elevated. Safeguard every moment with a policy that goes beyond expectations, providing tailored protection for every step of your adventure.

Different Types of travel insurance plans available with Bajaj Allianz

Coverage based on Trip Classification;

Solo Trip and Family Trip

 Is There Any Eligibility Criteria to Buy a Travel Insurance Policy?

There are eligibility criteria to purchase a travel insurance policy, and they vary among insurance providers. Generally, individuals between certain age brackets, such as 18 to 70 years, are eligible. Travel insurance companies may have specific age limits for coverage.

Moreover, the purpose and duration of travel are crucial factors. Most policies cover trips for leisure, business, or education, and the duration can range from a few days to several months. Some plans cater to specific types of travel, like international or domestic trips.

Pre-existing health conditions are often considered during eligibility assessments for travel insurance. Insurers may require disclosure of existing medical conditions, and coverage may vary based on the insurer's policies. Additionally, citizenship and residence can influence eligibility. Some policies are designed for residents of a particular country or citizens of specific nations.

It's essential to carefully review the eligibility criteria outlined by the insurance provider. By doing so, travellers can ensure they meet the requirements and choose a policy that aligns with their needs and circumstances. Always disclose accurate information during the application process to avoid complications during claims.

Are There Any Exclusions in a Travel Insurance Policy?

Exclusions in a travel insurance policy are specific scenarios or events that are not covered by the insurance. Common exclusions include pre-existing medical conditions, high-risk activities like extreme sports, and incidents related to alcohol or drug use. Acts of war, terrorism, or travel to countries under government advisories may also be excluded. Understanding these exclusions is vital for travellers to avoid unexpected complications during their journeys. Reviewing the policy documentation thoroughly allows individuals to make informed decisions and ensures they have a clear understanding of the coverage limitations and any situations where the insurance may not apply.

Read more about: Travel Insurance Policy Exclusions

What Are The Different Factors That Affect Travel Insurance Premiums?

Travel insurance premiums are influenced by a variety of factors, each playing a crucial role in determining the cost of coverage. Let’s find out the factors impacting travel insurance premiums. From age and health considerations to destination dynamics, this brief overview sheds light on the pivotal elements influencing the cost of travel insurance. Make informed decisions for a tailored and comprehensive coverage experience.

✓ Age and Health Profile:

The age of a traveller is a pivotal factor in determining travel insurance premiums. Older individuals may face higher costs due to increased health risks associated with age. Additionally, one's health profile and pre-existing medical conditions contribute significantly to premium variations.

✓ Number of members covered:

More family members in a policy means a higher premium, like in family floater health insurance plans.

✓ Destination Dynamics:

The chosen destination plays a crucial role in shaping travel insurance premiums. Countries with higher medical costs or elevated travel risks often result in increased premiums. Travellers must consider the unique challenges associated with their destination.

✓ Trip Duration:

The length of the trip directly impacts insurance premiums. Longer durations typically incur higher costs as they extend the coverage period. Travellers should carefully assess their travel plans and select coverage that aligns with their trip duration.

✓ Coverage Type and Extent:

The type and extent of coverage are fundamental considerations. Comprehensive travel insurance plans, encompassing various aspects of travel protection, naturally come with higher premiums. Travellers must evaluate their specific needs and choose coverage that suits their preferences.

✓ Pre-existing Conditions and Medical History:

Individuals with pre-existing medical conditions may face higher premiums due to increased risk. It is crucial to disclose accurate medical histories to ensure appropriate coverage and avoid complications during claims.

✓ Trip Cancellation, Interruption, and Delay Coverage:

The level of travel insurance coverage for trip cancellations, interruptions, or delays affects premiums. Higher coverage limits contribute to increased premiums, providing travellers with enhanced protection against unforeseen circumstances.

✓ Deductible and Coverage Limits:

Balancing deductible amounts and coverage limits is essential. Opting for a higher deductible or lower coverage limits may lower premiums, but travellers should carefully assess their risk tolerance and individual needs.

In conclusion, a comprehensive understanding of these influencing factors empowers travellers to make informed decisions when selecting travel insurance. Navigating the intricacies of premiums ensures that individuals strike the right balance between coverage and cost for their unique travel plans.

How to Shortlist a Travel Insurance Policy?

Choosing the right travel insurance policy is crucial to ensuring a stress-free journey. Here's a guide on how to shortlist the best travel insurance for your needs.

1. Understand Your Needs

Begin by assessing your travel requirements. Different trips may demand different types of coverage. For instance, an adventure-filled vacation might require coverage for extreme sports, while a business trip may prioritize coverage for trip cancellations.

2. Coverage Types

Familiarise yourself with the types of travel insurance coverage offered. Common categories include medical coverage, trip cancellation/interruption, baggage loss, and emergency evacuation. Select coverage that aligns with your specific needs and concerns.

3. Policy Duration

Consider the duration of your trip. Some policies are designed for short-term travel, while others cater to long-term or frequent travellers. Choose a policy that suits the length and frequency of your journeys.

4. Destination-Specific Coverage

Certain regions may pose unique risks or require specific coverage. If you're traveling to remote areas, check if the international travel insurance policy includes emergency evacuation. Some policies may exclude coverage in regions with travel advisories, so ensure your destination is covered.

5. Pre-Existing Conditions

If you have pre-existing medical conditions, ensure that your travel insurance policy covers them. Some policies may have exclusions or offer coverage with additional premiums. Disclose all relevant information to avoid complications during claims.

6. Compare Quotes

Obtain quotes from different insurance providers. Compare not just the cost but also the coverage limits, exclusions, and additional benefits. Look for value rather than opting for the cheapest option.

7. Read Reviews

Customer reviews and testimonials can provide insights into the experiences of others with a particular insurance provider. Consider both positive and negative feedback to make an informed decision regarding the international travel insurance plan.

8. Check Claim Process

Understand the claim process of the insurance provider. A smooth and straightforward claims process is essential. Read the travel insurance policy documents to know what documents are required in case of a claim.

9. Customer Support

Assess the customer support services of the insurance company. Access to 24/7 assistance, especially during emergencies, is crucial. A reliable customer support system adds to the overall convenience of the policy.

10. Policy Exclusions

Carefully review the policy exclusions. Knowing what is not covered is as important as understanding what is covered. Be aware of specific circumstances or activities that may void your coverage.

11. Policy Limits

Check for coverage limits for each category. Ensure that the limits are adequate for potential expenses. For instance, if you're carrying expensive equipment, verify the baggage loss limit.

By following these steps and conducting thorough research, you can shortlist a travel insurance policy that aligns with your travel plans, provides comprehensive coverage, and offers peace of mind throughout your journey.

Are There Ways To Save On Travel Insurance Premiums?

Travel insurance is essential for protecting your trip, but that doesn't mean you have to break the bank. Here are savvy ways to trim travel insurance premiums without compromising coverage.

Compare Quotes

Don't settle for the first quote you receive. Shop around and compare quotes from different providers. Online comparison tools make it easy to identify cost-effective options that suit your needs.

Opt for Basic Coverage

Evaluate your travel needs and choose a travel insurance policy that aligns with them. Opting for basic coverage without unnecessary add-ons can significantly reduce premiums. Tailor your plan to match your specific requirements.

Consider Annual Policies

f you're a frequent traveller, an annual policy might be more cost-effective than purchasing coverage for each trip individually. This approach can lead to substantial savings in the long run. If you're a frequent traveller, an annual policy might be more cost-effective than purchasing coverage for each trip individually. This approach can lead to substantial savings in the long run.

Increase Deductibles

Choosing a higher deductible often results in lower premiums. Assess your risk tolerance and financial capability to determine a deductible that strikes the right balance between savings and coverage.

Exclude Unnecessary Coverage

Review the policy details and exclude coverage for situations unlikely to affect your trip. For instance, if your credit card provides rental car insurance, there's no need for similar coverage in your travel insurance policy.

Securing travel insurance early can result in lower premiums. Booking well in advance allows you to lock in rates and provides peace of mind with extended coverage against unforeseen events.

Group Plans

If travelling with family or a group, inquire about group discounts. Some insurers offer discounted rates for multiple travellers, making it a cost-effective option for families or friends embarking on a journey together.

Maintain Good Health

Your health directly affects premiums. Stay healthy and disclose accurate medical information to avoid unnecessary surcharges. Some insurers offer discounts for policyholders with a clean bill of health.

By implementing these strategies, travellers can enjoy comprehensive coverage while keeping travel insurance premiums within a budget-friendly range. Whether you're a frequent globetrotter or embarking on a one-time adventure, smart choices can lead to significant savings without compromising on protection.

Why Should You Compare & Buy Travel Insurance Online?

In an age dominated by digital convenience, the process of buying travel insurance has undergone a significant transformation. The traditional approach of visiting insurance offices or relying on agents has given way to the simplicity and efficiency of opting for travel insurance online. Here are compelling reasons why comparing and buying travel insurance online has become the preferred choice for savvy travellers.

1. Accessibility and Convenience:

Online platforms provide unparalleled accessibility, allowing travellers to explore and purchase insurance policies at any time, from anywhere in the world. This convenience eliminates the need for physical visits to insurance offices, saving time and effort for individuals with busy schedules or those planning last-minute trips.

2. Comprehensive Comparison:

Online platforms empower travellers with the ability to compare a wide array of travel insurance policies at their fingertips. With a few clicks, users can assess coverage options, policy features, and premium rates from multiple insurance providers. This comprehensive comparison ensures that individuals can make informed decisions tailored to their specific travel needs when they opt to buy travel insurance online.

3. Real-Time Quotes and Customization

One of the significant advantages of online platforms is the provision of real-time quotes. Travellers can instantly receive quotes based on their input, allowing them to gauge the cost-effectiveness of various policies. Additionally, online platforms often offer customisation features, enabling travellers to adjust coverage limits, deductibles, and other policy details to align with their preferences and budget.

4. Transparent Information:

Online platforms prioritise transparency, providing detailed information about policy terms, conditions, and exclusions. Travellers can review travel insurance policy documents, understand coverage inclusions and limitations, and make informed choices. This transparency builds trust and confidence in the selected insurance plan.

5. Customer Reviews and Ratings:

Travellers can benefit from the experiences of others by accessing customer reviews and ratings on online platforms. This valuable insight into the real-world experiences of fellow travellers’ aids in assessing the reliability and efficiency of insurance providers. It also helps individuals choose insurers with a proven track record of customer satisfaction.

6. Instant Policy Issuance:

Gone are the days of waiting for travel insurance policy documents to arrive by mail. Online platforms facilitate instant policy issuance. Upon completing the purchase, travellers can receive electronic copies of their insurance policies immediately, allowing for swift and hassle-free documentation for visa applications or other travel-related requirements.

7. Cost Savings

Online platforms often feature exclusive discounts and promotional offers. By comparing options online, travellers can capitalize on cost savings that may not be available through traditional channels. These savings contribute to a more budget-friendly travel insurance experience.

In conclusion, the shift towards comparing and buying travel insurance online is driven by the undeniable advantages of accessibility, comprehensive comparison, transparency, and cost savings. For modern travellers seeking efficiency and reliability, the online landscape provides a seamless and user-friendly experience, ensuring that the journey begins with the right level of protection.

Read more about: Compare Travel Insurance

What to Account for When Buying Travel Insurance Online?

Travel has become an integral part of our lives and therefore the importance of securing the right travel insurance cannot be overstated. As technology continues to evolve, the convenience of purchasing travel insurance online has become a preferred choice for modern-day adventurers. However, the process demands careful consideration to ensure that the chosen coverage aligns with individual needs and provides a safety net for unforeseen circumstances. Here's a comprehensive guide on what to account for when buying travel insurance online.

Destination-Specific Coverage

The first crucial factor to consider is the destination. Different regions pose varying risks, and an ideal travel insurance policy should provide coverage tailored to the specific challenges of the chosen location. Be it medical emergencies, trip cancellations, or baggage loss, ensuring that your policy comprehensively addresses the risks associated with your destination is paramount.

Coverage Limits and Exclusions

Thoroughly examine the coverage limits and exclusions outlined in the policy. While it's crucial to understand what the insurance covers, equally important is identifying what it doesn't. Pay close attention to any exclusions related to pre-existing medical conditions, adventure activities, or specific travel scenarios that may be relevant to your journey.

Consider the duration of your trip and how frequently you travel. Some policies cater to short trips, while others provide coverage for longer durations. For frequent travellers, opting for an annual multi-trip policy might prove more cost-effective and convenient than purchasing coverage for each individual journey.

Medical Coverage and Emergency Assistance

Medical emergencies can quickly escalate into significant financial burdens. Ensure that your travel insurance offers robust medical coverage, including hospitalisation expenses, evacuation costs, and emergency assistance services. Confirm that the policy provides coverage for pre-existing conditions or any specific health concerns you may have.

Unforeseen events such as family emergencies or sudden illness may force you to cancel or cut short your trip. A good travel insurance policy should provide adequate coverage for trip cancellations or interruptions, reimbursing non-refundable expenses and offering financial protection against unexpected disruptions.

Lost Baggage and Delayed Flights

Baggage mishaps and flight delays are common travel woes. Ensure that your insurance covers lost or stolen baggage and offers compensation for essential items in case of baggage delays. Similarly, coverage for trip delays or missed connections due to unforeseen circumstances adds an extra layer of security.

Adventure Activities and Sports

For the adventurous souls seeking adrenaline-packed activities during their travels, it's crucial to check if the policy covers adventure sports. Many standard travel insurance policies exclude certain high-risk activities, so individuals engaging in activities like scuba diving, hiking, or skiing should opt for additional coverage if needed.

Compare Quotes and Reviews

Take advantage of the online landscape by comparing quotes from different insurance providers. Consider customer reviews and ratings to gauge the reliability and service quality of each insurer. Feedback from fellow travellers can provide valuable insights into the actual experiences of policyholders.

Policy Customisation

Look for travel insurance policies that offer customisation options. The ability to tailor your coverage based on specific needs allows you to create a personalized insurance plan that aligns with your travel habits, preferences, and budget.

24/7 Customer Support

Emergencies don't adhere to regular business hours. Ensure that the insurance provider offers 24/7 customer support and has a dedicated helpline for assistance during unforeseen situations. Accessible customer support is invaluable when you need guidance or help in a foreign land.

Transparency and Fine Print

Carefully read the terms and conditions of the travel insurance policy. Transparent communication about coverage details, terms, and conditions contributes to a better understanding of the insurance. Pay attention to the fine print to avoid surprises when making a claim.

Financial Stability of the Insurer

Evaluate the financial stability and reputation of the insurance company. Opt for insurers with a proven track record of timely claim settlements and financial stability. A reliable insurer ensures that you can rely on your coverage when it matters the most.

Claim Process and Documentation

Understand the claims process and the required documentation in case of an unfortunate event. A straightforward and efficient claims process, coupled with clear instructions on necessary documents, makes the post-incident experience less stressful.

Legal and Regulatory Compliance

Ensure that the insurance provider complies with legal and regulatory requirements. Check if the policy adheres to international travel insurance standards and if the insurer is authorized to operate in the countries you plan to visit.

Cost vs. Value

While cost is a significant factor, it should not be the sole determinant. Evaluate the value offered by the policy in relation to its cost. Sometimes, a slightly higher premium may provide more comprehensive coverage, proving to be a worthwhile investment in the long run.

In conclusion, buying travel insurance online demands meticulous consideration of various factors to ensure a tailored and reliable safety net for your journeys. From destination-specific coverage to evaluating customer reviews and understanding the fine print, a well-informed decision guarantees peace of mind and financial protection while you explore the wonders of the world.

How to Calculate Your Travel Insurance Premium Online?

Embark on a seamless journey to calculate your travel insurance premium with Bajaj Allianz. Our user-friendly online calculator simplifies the process—just enter basic details like your mobile number, name, and travel specifics. Customise and compare policies effortlessly for a tailored and cost-effective travel insurance experience.

• Step 1: Navigate to our travel insurance premium calculator .
• Step 2: Begin by providing essential details such as your mobile number, name, and email address.
• Step 3: Specify your country of residence.
• Step 4: Based on your inputs, receive a prompt confirmation along with a personalized premium quote.

Bajaj Allianz boasts a versatile insurance premium calculator that generates purpose-specific premium quotes efficiently.

When procuring an insurance policy, the objective is to minimize costs while maximizing benefits. An insurance premium calculator proves invaluable in achieving this goal. Beyond determining monthly payments, it allows you to tailor policy features to align with your specific needs and budget.

The online calculator provides the flexibility to experiment with different combinations of policies, ensuring you find the most fitting travel insurance policy. Additionally, for calculating travel insurance premiums, the calculator incorporates details such as destination, duration, and travel dates.

The primary objective is to furnish you with an accurate quote, minimizing errors. The online calculator extends its functionality to include traveller details, allowing you to input the number of individuals and their ages.

An added advantage of utilizing the online travel insurance premium calculator is the ability to compare premiums across various policy types and companies. This feature empowers you to make an informed decision by choosing the policy that best aligns with your preferences and requirements.

Step-by-Step Guide to Buying Travel Insurance Online

Embark on a seamless journey to safeguard your travels with our step-by-step guide on purchasing travel insurance online. From selecting plans to secure payments, we ensure a hassle-free experience. Bajaj Allianz offers three convenient ways to purchase travel insurance through:

• ✓ the official website
• ✓ the user-friendly Caringly Yours Mobile App and
• ✓ traditional offline channels

Buy Travel Insurance Online from Bajaj Allianz Website:

Initiate the process by visiting our official website and selecting the desired insurance type Individual, Family, Business, or Student.

Provide your full name and choose the type of policy (Leisure, Business Multi-Trip, or Student). Subsequently, make additional selections based on your chosen policy.

Furnish essential details such as date of birth, departure and return dates, destination, and your current pin code.

Bajaj Allianz will analyse your inputted information, sending a comprehensive quote to your phone with the option to promptly select a suitable plan.

Choose your preferred plan, consider optional add-ons, and proceed to make the payment.

Await payment confirmation, receiving acknowledgment and insurance documents instantly in your email inbox.

Buy Travel Insurance Online from Caringly Yours Mobile:

Download the Caringly Yours Mobile App and use your login credentials to access the application.

Select the travel insurance option, providing necessary details including your name, date of birth, travel specifics, dates, and pin code.

Allow the application to process your information, receiving comprehensive insurance quotes directly on your phone.

Choose the plan aligning with your travel itinerary, optionally include add-ons, and proceed to make the payment.

Finalise the plan selection, include preferred add-ons, and complete the payment process.

Await confirmation receipts and insurance documents, promptly delivered to your designated email address.

Whether through the official website or the Caringly Yours Mobile App, Bajaj Allianz ensures a user-friendly and efficient process to secure your travels with the utmost convenience and peace of mind.

Understanding the Claim Procedure for Travel Insurance Plans

Understanding the travel insurance claim procedure is crucial for international travellers. Bajaj Allianz offers three distinct claim procedures, ensuring a seamless process for policyholders.

1. Cashless Travel Insurance Claim

Applicable for overseas hospitalization expenses exceeding USD 500, the cashless claim process involves:

Initiate the process by submitting required documents online for verification.

Upon claim document verification payment Guarantee letter to be released to the hospital .

In case of missing information, complete the necessary formalities for a smooth claim process.

You can purchase travel insurance from Bajaj Allianz in three ways:

1.Online from the Official Website:

• ✓ Visit the website and select the type of insurance (Individual, Family, Business, or Student).
• ✓ Provide your personal details and travel information.
• ✓ Receive a quote and choose your plan, add-ons, and make the payment.
• ✓Get instant confirmation and insurance documents via email.

2.Via Caringly Yours Mobile App:

• ✓Download the app and log in.
• ✓Select travel insurance and input your details.
• ✓Receive insurance quotes on your phone, choose a plan, add-ons, and make the payment.
• ✓Get confirmation and documents via email.

3.When filing a travel insurance claim:

• ✓Cashless Claim: For hospitalization expenses abroad over USD 500, submit
• ✓documents online for verification. Once verified, receive a payment guarantee letter.
• ✓Reimbursement Claim: Collect required documents and submit them at the BAGIC HAT.
• ✓Receive payment within 10 days via NEFT to your Indian bank account. Ensure all documents are complete within 45 days to avoid claim cancellation.

2. Travel Insurance Reimbursement Claim

For accurate documentation, the reimbursement claim process takes approximately 10 working days.

Gather necessary documents and submit original copies (paid receipts only) at BAGIC HAT

Post scrutiny, receive payment within 10 working days in your Indian bank account via NEFT.

Submit the documents upon receiving the email from the document recovery team within 45 days, after which the claim will be closed due to non-submission of the required documents. Policy deductible will be applicable as per policy copy.

Documents Required for Travel Insurance Claims:

Documents needed for Medical treatment (to be attached with the Claim Form)

• ✓ Policy Documents (Number & Name of the Insured, and Contact Details)
• ✓ MEDICAL REPORT/INVESTIGATION REPORT for emergency and OPD basis treatment (If required and raised by claims team)
• ✓ Incident Details (with self-declaration from insured for illness or incidence)
• ✓ Attending Physician’s Statement (APS)
• ✓Romif from insured for Obtaining Medical Records (if require )
• ✓Cancelled cheque for bank transfer to the insured

Loss of Baggage:

• ✓ Claim Form
• ✓ Baggage Tags Copies
• ✓ Confirmation Letter from Airline Authorities to determine the delivery time and date of the baggage to the insured.
• ✓ Property Irregularity Report
• ✓ Emergency purchase receipt of Item bought due to delay of Baggage
• ✓ Cancelled cheque for bank transfer to the insured

Trip Cancellation/Interruption/Missed Connection:

• ✓Confirmation from Airlines and Letter Certifying complete cancellation /total delay
• ✓ Documentation for Delay/Cancellation with Reason
• ✓ Tickets (Scan copies of both the original and revised tickets, if necessary.)
• ✓ Invoices or Receipts of Incurred Expenses only in Bharat Bhraman. Not applicable for international travel.

Loss of Passport:

• ✓ Photocopies of New and Old Passport
• ✓ Expense Receipts and receipts for New Passport
• ✓ Photocopy of FIR or Police Report

Hijack Situation:

• ✓ Detailed Account of Hijack Events
• ✓ Corresponding Letters from Airlines
• ✓ Photocopy of Ticket and Boarding Pass

Accidental Death:

• ✓ Scanned Copy of Death Certificate
• ✓ Photocopy of Coroner’s Report, FIR, Post-mortem Report and MR / APS if any treatment is given. Invoices and original paid receipts (hard copies)

Study Interruption:

• ✓ Medical Reports Authenticated by Doctors
• ✓ Bills and Receipts of University Fees Paid Earlier
• ✓ Letter from University mentioning the inability to attend the semester to complete the course

Therefore, a thorough comprehension of the travel insurance claim procedure is paramount for a worry-free journey. Bajaj Allianz ensures a seamless process, offering various claim options tailored to diverse needs.

Read more about: Travel Insurance Claim Process

What are the steps to extend your travel insurance policy by offline?

Extend Travel Insurance Policy Offline Offline extension means that you will either have to get in touch with your agent or visit the branch and complete the formalities there. 

• Step 1 :  Please contact Bajaj Allianz team online or contact your Insurance Agent or visit the nearest BAGIC branch before the expiry of the existing travel insurance policy.  
• Step 2 : Please submit the signed good health declaration form (format available on the website) mentioning your current policy number, your extension request for further extension of travel insurance, with your medical status.
• Step 3 :  Bajaj Allianz team will review the extension request and give confirmation for the extension.
•   Step 4 : if the extension request is accepted then we will send you a payment link or you have to give the premium to your Agent for extension of existing policy.
• Step 5 : You have to make the payment and the policy will be issue.
• Step 6 : A new policy will be issued and sent to your email id mentioned in existing policy schedule

Which Countries Compulsorily Require a Travel Insurance Policy?

International travel insurance is not just a convenience; in some countries, it's a mandatory requirement for entry. Several nations around the world, including those in the Schengen Area like Germany, France, and Italy, insist on travellers having adequate coverage before granting a visa. Countries like Cuba and Ecuador also have this prerequisite. Additionally, visitors to Russia, Turkey, and the UAE need to show proof of travel insurance upon arrival. These mandatory regulations underscore the importance of having comprehensive coverage. Before taking your international journey, it's crucial to research and secure the necessary travel insurance to ensure a smooth and compliant travel experience.

A quick glance: Without submitting the insurance confirmation, you may not get a visa for these countries.

• Schengen Countries
• United Arab Emirates
• United States of America

Can You Port Your Travel Insurance Policy?

Embrace the liberty of travel insurance portability with Bajaj Allianz, offering a seamless transition between insurers while retaining existing benefits. We prioritize your freedom of choice, inviting all individuals to safeguard themselves with our comprehensive policies. To facilitate a smooth shift, adhere to these steps:

• 1. Communicate your portability requirements through online registration
• 2. Notify your current insurer 7 days in advance. This is subject to age of the insured and any PED condition declared.

Please be mindful that the premium for a comparable travel insurance plan is subject to the discretion of the new insurer. Trust Bajaj Allianz for a professional, hassle-free process, ensuring uninterrupted coverage while selecting the insurer that aligns with your preferences.

Myths About Travel Insurance

Travel insurance is a crucial aspect of trip planning, providing financial protection and peace of mind in unforeseen circumstances. However, several myths surround this essential aspect of travel, leading many to underestimate its significance. Let's debunk some common misconceptions and shed light on the importance of travel insurance.

Myth 1:Travel Insurance is Expensive and Unnecessary

Contrary to popular belief, travel insurance is often affordable, especially when compared to potential financial losses due to trip cancellations, medical emergencies, or lost belongings. The cost varies based on factors like trip duration, coverage limits, and the traveller’s age. Considering the risks involved, the investment in travel insurance is a prudent choice.

Myth 2: I Don't Need Travel Insurance for Short Trips

Whether your trip is short or extended, unexpected events can occur at any time. Travel insurance is not solely about trip duration; it's about being prepared for unforeseen circumstances. Even a brief trip can be disrupted by flight cancellations, lost baggage, or sudden illnesses. Having travel insurance coverage ensures you're protected no matter the duration of your journey.

Myth 3: My Health Insurance Covers Me Abroad

While some health insurance plans provide limited coverage abroad, many may not cover international medical emergencies or evacuation costs. Travel insurance with comprehensive medical coverage ensures you receive proper care and assistance, especially in countries where healthcare costs are high.

Myth 4: Travel Insurance Only Covers Medical Emergencies

Travel insurance encompasses a wide range of coverage beyond medical emergencies. It typically includes trip cancellation or interruption coverage, lost or delayed baggage reimbursement, emergency evacuation, and even coverage for travel delays. Understanding the comprehensive nature of travel insurance helps travellers make informed decisions.

Myth 5: I Can Buy Travel Insurance Any Time Before My Trip

It's a common misconception that travel insurance can be purchased at any time before departure. However, some benefits, like trip cancellation coverage, may have time-sensitive requirements. Buying insurance early ensures you can take advantage of these benefits and have coverage in place for unforeseen events leading up to your trip.

Myth 6: Travel Insurance Covers Everything

While travel insurance is comprehensive, it doesn't cover every possible scenario. Exclusions vary between policies, so it's essential to read the terms and conditions carefully. Common exclusions may include pre-existing medical conditions, extreme sports activities, or travel to high-risk destinations. Understanding these exclusions helps manage expectations and plan accordingly.

Myth 7: I Can Rely on the Airline for Compensation

Many travellers believe that airlines will compensate them adequately for flight delays, cancellations, or lost baggage. However, airlines have limitations, and compensation may not cover all incurred expenses. Travel insurance provides an additional layer of protection, ensuring you're adequately reimbursed for unexpected inconveniences.

In conclusion, dispelling these myths highlights the importance and value of travel insurance in safeguarding your travel investment. It's an indispensable tool for managing risks and ensuring a smoother, more secure travel experience. Before your next journey, take the time to explore and select a travel insurance plan tailored to your specific needs and destination.

Does Bajaj Allianz's Travel Insurance Cover COVID-19?

The global impact of COVID-19 has reshaped daily life, ushering in a new normal characterized by social distancing. As countries enforce travel restrictions to curb the virus spread, questions arise about the coverage provided by insurance companies once borders reopen. Specifically, we explore the impact of coronavirus on travel insurance in India.

Does Travel Insurance Cover COVID-19 in India?

Yes, several insurance companies, including Bajaj Allianz, offer COVID-19-specific travel insurance plans in India. These policies provide compensation for medical treatment, delays, cancellations, lost baggage, etc. Bajaj Allianz offers monetary compensation and assistance for treatment in empanelled hospitals, including cashless treatment.

Coverage Details for Overseas Travel Policy:

Medical Expenses related to COVID-19 abroad, including quarantine, are covered. Excludes accommodation and non-medical incidental expenses during quarantine. A COVID-negative report must be presented 72 hours before travel. If unavailable, coverage starts after a 7-day waiting period.

Policy Extension Considerations:

To extend coverage abroad, do so before the break-in period begins. If extending after the break-in period, a 7-day waiting period applies.

Scenario-wise Coverage for COVID-19:

1.COVID-19 Symptoms After Obtaining a Negative Report: Compensation is eligible under the policy.

2.COVID-19 Symptoms Before Travel or Contact with a Positive Person: No compensation eligibility.

Bajaj Allianz strives to provide comprehensive coverage in this evolving landscape, ensuring your well-being during overseas travel.

CUSTOMER STORIES

Average Rating:

(Based on 3,912 reviews & ratings)

Straight forward online travel insurance quote and price. Easy to pay and buy

Very user friendly and convenient. Appreciate Bajaj Allianz team a lot.

Very nice services with affordable premium of Travel insurance

Excellent process! Very easy to use and instant output

Very prompt and professional service. Pleased with customer service team of Bajaj Allianz.

Nice and customized website. Loved the experience on Bajaj Allianz's website.

Frequently Asked Questions on Travel Insurance Policies

Policy premium,     1. is travel insurance mandatory.

 No, travel insurance is not mandatory for all countries. However, certain countries have made it mandatory like Australia, Schengen countries, etc.

    2. Can I buy travel insurance if I am going on a work permit abroad?

Most insurers in India do not provide travel insurance to people travelling abroad on a work permit. It is advisable to check with your insurer before purchasing the travel insurance policy.

    3. Will I get a refund if I cancel my travel insurance policy?

If the cancellation is done before the departure date then a full refund fewer cancellation charges will be provided. If it is after the start date and non-departure, then you have to provide proof of your non-travel, a full refund less the cancellation charges will be provided. However, if you are cancelling the policy post-travel or leaving for your home country amidst of your journey based on utilised premium, remaining premium sans cancellation charges will be provided.

    4. What are the maximum days for which I can take the travel insurance policy?

The duration of the days varies from one travel insurance company to another. The maximum number of travel days under a single trip that will be insured is 182 days.

    5. Whom do I contact while abroad in case of any emergency?z

You can contact your Emergency Assistance Provider /TPA in case of any emergency. All the contact details of the TPA are specified in the travel policy schedule.

    6. Can I buy travel insurance after leaving the country?

No, you cannot buy a travel insurance policy online or offline for your journey after you depart from the country. Many travel insurance companies do not allow travellers to buy travel insurance even on the day of their journey.

    7. Do I need to undergo any medical examination for coverage?

Many insurance companies offer cover without a medical check-up, however medical tests are required for certain age groups, and in case you are visiting a country where certain medical tests are mandatory before arrival. It is advisable to check the guidelines of the travel insurance company.

    1. Does travel insurance cover me if I cancel my flight?

Yes, your travel insurer will cover all the expenses and losses incurred due to flight cancellation before the date of the departure. However, you have to give the valid reason for the cancellation.

    2. What kinds of risks are covered under the travel insurance policy?

A travel insurance policy protects you from the risks of having a financial loss rising due to accidents, medical emergencies etc while travelling. The most common risks that are covered under the travel insurance policy are:-

• Accidental death and injury
• Overseas funeral expenses
• Medical expenses
• Delayed/loss of baggage
• Overseas dental treatment
• Loss of passport
• Home burglary insurance

    3. Will my family be covered under one Policy or Do I need a separate policy for travel and separate claim documents for each family member?

One can take the Family Travel Insurance Policy to cover your entire family. No separate claim documents are required for each family member under this policy.

    4. What benefit will I get from this insurance in case of a medical emergency?

In case of a medical emergency, you will get the following benefits from travel insurance:

• Expenses incurred for any sudden illness or injury
• Medical evacuation to India
• Transportation expenses of mortals remain back to India
• Accidental bodily injury during the trip
• Cost towards burial in case of one’s sudden demise

    1. What is the claim settlement ratio? Why is it important?What is Travel Insurance Premium?

The travel insurance premium is the sum one pays to get cover benefits in case of some unfavourable events listed under the terms, plans, and conditions of the policy. This sum is annually payable.

    2. What are the modes of payment?

Travel Insurance can be purchased with both physical and digital modes of payment. In physical forms, they accept cash, cheque, debit, and credit cards. Digital modes refer to Google pay, Paytm, and several other options.

    1. How does Bajaj Allianz Travel Insurance settle its claims abroad?

In case any incident happens which is covered under the policy then all the expenses whether medical, services, hospitality, etc. are paid by the company and even cash in advance is also provided in some situations.

    2. How many days does it take to settle the claim?

To settle the claim, one has to submit the required documents and after the acceptance of the same, the procedure will start. This procedure takes about 15 working days to process and then the claim is granted.

    3. Can I file a travel insurance claim once I return to India?

Yes, the insured can file a travel insurance claim once they return to India. The time window is 30 days or at the end of your trip. But this purely depends upon your travel insurance provider and the travel insurance plan which one has purchased.

    1.Will I be covered for any expenses incurred due to the treatment of COVID-19?

Yes, you will be covered for the in-patient hospitalization expenses incurred due to the treatment of COVID-19 but not the expenses of isolation and quarantine by travel Insurance. This claim will be granted under certain conditions one of which is the time frame.

    2. What would be the documents required to file a claim for COVID-19?

To get the claim, one must provide documents such as identity documents, passport, copy of the report in which it was declared positive for COVID-19, hospitalization prescription letter by the doctor, insurance documents, etc. These are the necessary documents that are required to file a claim for COVID-19.

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Travel Insurance

Let’s get you started on your travel insurance journey.

Picture this – you’re about to set off on an exciting holiday. You’ve got your travel visa, your tickets, hotel bookings and everything else in order. You land at your destination and find that your luggage has been misplaced. Or worse, you’re the victim of theft and you are left in a foreign country without your passport or any cash! Dealing with these situations can be expensive and difficult – especially if you’re in a country where you don’t speak the language. But that’s precisely why travel insurance is so crucial!

Travel insurance is the assurance that your journey will be protected and insured from possible risks that may come unexpectedly on unknown lands. Travel insurance is a unique product that offers you financial help in case something were to go wrong while you’re travelling. It covers a range of scenarios, including medical and dental emergencies, theft of your money or passport loss , flight cancellation and misplaced or lost luggage.

Depending on where you’re going, the purpose of your visit and how often you travel, you can select a travel insurance policy that best suits your needs. A single-trip travel insurance plan is ideal if you’re travelling domestically or internationally and only travel once in a while, a single trip travel insurance can be purchased for yourself or for your family, for more information, check our family travel insurance . If you travel often for work, you may want to opt for a multi-trip travel insurance plan or an annual travel insurance plan. This way, you can save on the hassle of applying for a new travel insurance policy before each trip. We also offer customised travel insurance plans for senior citizens and students who are heading abroad to continue their education. No matter what your travel needs, we’ll find a travel insurance policy for you

Travel Insurance With COVID-19 Covered*

Start every journey with a travel insurance plan, what’s covered under tata aig travel insurance, our travel insurance policy will help you take care of a number of situations, ensuring the mental peace you truly deserve:, covid-19 covered.

Accident & Sickness Medical Expense Under the Accident & Sickness Medical Expense, Travel insurance with COVID-19 covered compensates for the medical expenses incurred by the insured because of being diagnosed with COVID-19 outside the Republic of India during the trip duration & is hospitalized. The policy provides coverage against Medical expenses upto the limit mentioned in the policy schedule.

Trip Cancellation Compensation benefit under Trip Cancellation is offered if the insured, the insured’s Travel Companion or The Immediate family of the insured or the Insured’s Travel Companion are diagnosed with COVID-19 before commencing their international trip. They cannot travel until they have received a negative COVID-19 report. If one has a valid travel insurance plan and they cancel a booked trip as a result of COVID-19, we will reimburse you the unused and non-refundable amount of your prior bookings, such as hotel booking, and ticket costs. You would be eligible for these benefits only if you booked and paid for such services before being diagnosed with COVID-19.

Trip Curtailment/Interruption Benefits If you are travelling with Travel insurance with COVID-19 covered and you, your Travel Companion, your immediate family or your Travel companion’s immediate family are diagnosed with COVID-19 during your trip, as a result of which, your trip has to be cut short, we will reimburse the trip interruption expenses. These expenses will be inclusive of the pre-paid and unused portion of travel and accommodation expenses, which are non-refundable; additional accommodation and travel expenses incurred due to trip interruption, subject to the sum insured limit.

Automatic extension Given the current circumstances, it is too early to predict if a lockdown will be enforced in the future. Consider the possibility of being trapped on vacation overseas because the country announced a statewide lockdown due to COVID-19. Flight delays or cancellations are extremely dangerous under such circumstances. Tata AIG Travel insurance coverage will cover your trip extension for a maximum period of 7 days if a lockdown is imposed in the destination country and no alternative mode of transport is available. Subject to Terms & conditions.

Baggage Covers

Delayed Baggage Almost everybody has a story about a time when they travelled and their luggage was accidentally sent elsewhere or unnecessarily delayed. If this happens and you have our travel insurance policy, you can rest easy. Your travel insurance plan will help cover the cost of any necessary personal items that you need to purchase until your bag can reach you.

Lost Baggage Having your baggage delayed is one thing, but if your bag is lost or stolen, managing the situation can be incredibly difficult. Luckily, our travel insurance policy can help you deal with this issue. Depending on the travel insurance policy terms, we will help reimburse you for the items in your luggage.

Journey Covers

Lost Passport Obtaining a new passport in a foreign country isn’t always easy. Your international travel insurance policy will help you with the necessary and reasonable expenses that are attached to getting a new passport made.

Assistance While Travelling If things go a bit wrong when you’re out of the city, you may need some assistance. Our travel insurance plan will help provide you with all necessary assistance required, right from legal help to getting lost luggage and passports replaced. Our travel policy will even help with emergency travel services, cash transfers and advances.

Personal Liability Accidents can happen at any time under any circumstance. If you happen to be involved in an accident where somebody else is harmed or injured, it could cost you quite dearly. Our travel insurance policy will help cover any damage caused to any third-party individual or property while you’re travelling. It’s important to remember that the travel policy will not cover your family members or individuals who live with you.

Hijack Help Our travel insurance policy will offer something known as distress allowance in case the flight that you’re travelling on is hijacked.

Delayed Flights Bad weather or a local strike could delay your flight by more than 12 hours. If this is the case, you might have to book another night’s stay at a hotel or incur some other additional expenses. Our travel insurance policy will help you take care of these expenses if your flight happens to be delayed.

Policy Extension Your travel insurance policy term often depends on the length of your trip. But, there are certain situations in which your flight may be cancelled or delayed for several days. We will automatically extend the term of cover of our travel insurance policy for seven days in case your flight is cancelled or delayed and you don’t have any other travel options available.

Trip Curtailment or Cancellation In case there’s an emergency and you have to travel back or cancel your entire trip, don’t worry. Our travel insurance plan will reimburse you for any unused, non-refundable hotel and travel expenses.

Medical Covers

Medical Emergencies Your travel insurance policy will help you deal with the financial implications that come with meeting with an accident or falling ill while you’re travelling. The policy will cover everything right from a regular illness that requires hospitalisation to dental emergencies and even fatalities. If you happen to fall ill or meet with an accident at the tail-end of your journey, you don’t have to worry. If you’re in hospital and your policy expires, we will continue to cover you for the next 60 days or until you are discharged, whichever is earlier.

Medical Evacuation Your travel insurance policy is your friend in times of need. If you require emergency medical evacuation to the nearest hospital, this policy will take care of that. In case you need to be evacuated and brought back to India for medical treatment, the travel insurance policy will look after that as well.

Accidental Death and Repatriation We don’t want to think about it, but it’s possible that an accident or medical emergency abroad could end up being fatal. TATA AIG’s travel insurance policy will provide your nominee with the full sum insured amount if this happens. We will also take care of the cost of repatriating the insured individual’s remains back to their city of residence.

Compassionate Visit If you need somebody to help you out when you’re in hospital, we’ll provide a two-way ticket for a family member to come and take care of you.

Interruption of Study If you’ve purchased a student travel insurance policy , this is especially for you. If have to interrupt your education because you or a family member are ill, we’ll reimburse you any unused tuition fee.

*Kindly check the policy wordings for a complete understanding of the product offerings, inclusions and exclusions.

Advantages Of TATA AIG Travel Insurance

When you’re travelling abroad, we’ll help you take care of the cost of treatment for COVID-19 if you test positive in the middle of your trip & re quires hospitalization

Affordable International Policies

Our travel insurance policies will not cost you too much. You can enjoy care-free travel for as little as INR 40.82 per day when you’re travelling internationally.

Affordable Domestic Policies

Explore the many beauties scattered across India and get travel insurance cover for just INR 26 per day!

Instant Policy Purchase

You can buy a TATA AIG travel insurance policy online with just a few easy clicks. We don’t need extensive paperwork on a health check-up!

Hassle-Free Claim Procedure

We actually mean it when we say we make travel insurance claims simple. Tata AIG understands how much money and time you have already invested in your travel. That is why we have kept all of our procedures extremely easy, fast, and paperless since we believe that everything should be digital. As a result, there is no need for hardcopy evidence. For us, a simple upload on our portal works.

24/7 Customer Assistance

A decent travel insurance coverage is unaffected by time zones. Whatever time it is in your corner of the world, competent support is only a phone call away owing to our in-house claim settlement and customer assistance team. We are ever-ready to assist you every step of the way.

What Our Customers Are Saying

Hassle Free and user friendly app that navigates efficiently to understand the requirement and suggest suitable product. After selection, the ease of payment and getting policy is beyond imagination. Everything hassle free

Seamless experience

The buying of the policy had to wait till we received the Covid-19 Negative from diagnostics though we both have taken first and second Vaccination Doses.

The buying process has been exceedingly convenient.

Hope your claims payment (if at all we need any) is as good and fast as the buying of the policy has been.

I TRUST in TATA AIG and have insured my cars too.

Extremely helpful and supportive team - guiding through the entire process, resolving queries and providing clarifications.

Best Travel insurance policy I found online. Very clear on the policy details, and a quick and frictionless transaction.

Really smooth...and great clean interface... God forbid we have to use the policy during travel...I hope the support for same is as good or better.

Value for money

Ease of doing business

Online policy, very fast and immediately policy certificate, great n superb experience

The website is friendly and easy to use.

User friendly site

Trust in TATA product. Keep the faith in the Indian customer.

I am not sure if there is any other insurance company in india which is providing Covid 19 coverage for travel insurance

Ease of processing very good. Policy document provided all the details given while filling the online application form

Best of the rest

Easy and convenient

Great Buying Experience

its very fast, easy to get. No hassles

The Perfect Travel Insurance Plan 

A good and user-friendly travel insurance package will make your vacation a memorable one. It protects you at various stages, with financial coverage being the primary focus. Selecting the finest travel insurance package for your family and yourself should not be rushed. Choose intelligently and save money by not taking the first choice you see for hassle-free and safe travel. A travel insurance policy acts as a cushion to absorb the impact of a misstep, making your vacation more enjoyable and memorable.

This is why TATA AIG offers multiple travel insurance plans. We have specialised travel insurance policies for domestic and international travel. Additionally, we have customised travel insurance policies for senior citizens and students who are heading abroad to expand their horizons. Let’s take a look at what each travel insurance policy offers, so you can find the right one for you. To know what to look for in a Travel Insurance, check our Best Travel Insurance Plan Guide. To Understand the various types of Travel Insurance Plans we offer & to understand how to compare in between them, check our Compare Travel Insurance resource.

International Travel Insurance

Travelling to a foreign country, whether for work or vacation , doesn’t have to be stressful. With our international travel insurance policies, you can rest easy knowing that we’ll help you out should anything go wrong. Right from small inconveniences, such as having your bag arrives late, to serious issues like medical emergencies and evacuation, TATA AIG’s international travel insurance plan will be with you at every step of the journey. We highly recommend this travel insurance policy for everybody headed outside the country. If you’re likely to make multiple trips in a single year, we recommend our multi-trip travel insurance plan.

Domestic Travel Insurance

Just because you aren’t travelling abroad, it doesn’t mean you don’t need travel insurance. This travel insurance plan will help you deal with various situations while you’re travelling across India. Right from reimbursing you for the cost of lost tickets to taking care of you after an accident while you’re out of town, this travel insurance policy is your ideal travel partner! If you travel very often, we recommend that you opt for our multi-trip travel insurance policy. This makes it easier for you to go on quick trips without having to apply for a new travel insurance plan each time.

Student Travel Insurance

We would like to support you as you follow your dreams. This is precisely why we’ve created a specialised student travel insurance policy. If you’re between the ages of 16 and 35 and you’re about to head abroad to further your education, this is the travel insurance plan for you. Apart from the usual travel insurance cover, this policy additionally provides cover for unique situations, such as reimbursing students the tuition fee if they’re unable to complete a semester due to a medical emergency. This travel insurance plan also provides cover for compassionate visits, ensuring you don’t have to be alone if you’re hospitalised!

Senior Citizen Travel Insurance

Why should young people have all the fun? Travel insurance for senior citizens is suitable for people over the age of 70, much like health insurance is adapted to the age factor. The elderly enjoy travelling after retirement, and they frequently travel alone or in pairs. This sort of plan shields them against unforeseen events. Senior citizens over the age of 70 can travel and enjoy the world just as much as their children and grandchildren. Our senior citizen travel insurance policy has been created keeping their needs in mind. This travel insurance plan offers additional cover for medical emergencies, including dental coverage, emergency medical evacuation and the repatriation of remains.

What’s Not Covered By TATA AIG's Travel Insurance Plan?

Even while we would prefer to cover all conceivable risks, many circumstances are simply not practical. We prefer total openness with our consumers. So here is what our travel insurance plans don't cover:

Baggage Exclusions

• Loss of baggage will not be covered in cases where you have shipped the items separately or before your travel date.
• It will also not be covered in cases where your travel insurance policy does not cover the geographic region. For example, under a student travel insurance policy, if the bags are lost in India, it will be not be covered.
• If you do not report that your luggage, documents or personal belongings have been stolen to the relevant authorities, you cannot make a legitimate claim for them against your travel insurance policy.

Journey Exclusions

Under certain circumstances, we will not be able to settle claims against your travel insurance policy. These circumstances include:

• Involvement in illegal activities, including felony, theft, deceit or other malicious acts.
• Participation in adventure sports, like skydiving, scuba diving, or mountain diving will not be covered under our travel insurance plans.
• Undertaking manual labour or work that could potentially harm you or be dangerous for your health.

Medical Exclusions

Your claim request against your travel insurance plan will not be entertained if

• You have travelled against the advice of your doctor
• You suffer from a complication or require assistance due to a pre-existing health condition
• You have injuries that are self-inflicted
• Your claim is for pregnancy or a related issue, including birth control or surgical procedures
• The issue is related to a sexually transmitted disease, mental disorder, and injuries due to the consumption of alcohol or drugs that were not medically prescribed.

Did Not Find What You Were Looking For?

When, where and how to choose travel insurance, purchasing a travel insurance policy requires a lot of thought and consideration. to help you with your decision, here’s a look at some important factors you must consider before choosing a travel insurance policy:, destination.

Your travel insurance policy will depend largely on your destination. For starters, you must decide whether you’re travelling internationally or domestically. Based on this, you can narrow down your options. If you’re travelling internationally, it’s important that you check the travel insurance requirement of various countries. For example, certain countries will not issue you a travel visa unless you can show that you have sufficient cover in your travel insurance policy.

Travel Frequency

The kind of travel insurance policy you buy will depend on how often you intend to travel. If you travel very frequently, a multi-trip travel insurance plan might be ideal for you. These plans allow you to enjoy multiple trips without you having to apply for a new travel insurance policy each time. On the other hand, if you only travel once in a while, then a single trip travel insurance policy might be better for you. You can easily apply for your travel insurance policy online and have it issued without the need for a pre-policy check-up.

Duration Of The Trip

While picking a travel insurance plan, you must keep the length of your trip in mind. It’s a good idea to pick a travel insurance policy of a duration that slightly exceeds your actual trip dates. Ideally, you should be able to find a plan that offers cover for more days without it affecting your premium. This way, if you have to extend your trip for a few days, you don’t risk losing your cover.

People Travelling

If you’re travelling alone, you can purchase a travel insurance policy just for yourself without any worries. If you’re travelling with your family, you should add each member to your insurance policy. Make sure you tell us how many of you are travelling before you purchase the policy and we’ll do the needful. This makes it much easier for you to keep track of everybody’s paperwork.

Claim Limit

This is possibly one of the most important factors that will influence your decision. Every travel insurance policy has a limit as to how much they will pay for various claims . For example, you will receive a specified sum in case your bags are lost or stolen. Even in medical emergencies, you must keep your sum insured amount and claim limit in mind. If you have a low claim limit, it may not be enough to take care of all kinds of medical emergencies while you’re travelling. Depending on where you’re going and how long you’re travelling for, you should pick a suitable sum insured for your travel insurance policy. A higher sum insured will lead to a higher premium, but it will come in handy if you require to file a claim while you’re travelling.

How To Buy Travel Insurance Online?

Purchasing a travel insurance policy requires a lot of thought and consideration. To help you with your decision, here’s a look at some important factors you must consider before choosing a travel insurance policy: To understand the factors that effect your travel insurance premium, check our Travel Insurance Premium Calculator

If you like, you can read about our various plans and take a look at what each offers. Or, you can decide to purchase travel insurance right away.

If you’re heading to multiple cities or countries, don’t worry. We offer plans for that as well. Type in all the countries or cities you’re visiting and how long you’ll be travelling for. We’ll use this information to curate the best travel insurance policy options for you.

If you’re travelling alone, you just need to enter your date of birth. If you’re travelling with family members, you can add them to the same travel insurance policy. You have the option to add your spouse, children and parents to the policy as well. Let us know who you’re travelling with and their dates of birth as well.

Depending on your needs, we’ll curate three plans for you. If you aren’t sure how the plans differ, you can use our ‘Compare’ option to see what kind of additional benefits or different sums insured each travel insurance plan offers. If you’re concerned about the cost, you can also view our premium break-up, so you know exactly what you’re paying for. After comparing the plans, you can pick the one that best fits your needs.

The last thing you need to do is provide us with a few more details and pay the premium amount. The minute you do this, we’ll issue your travel insurance policy and send a copy to your email inbox!

How Can I Make A Travel Insurance Claim?

For Policies that Cover Only India Travel Give us a call on +1 800 11 99 66 from BSNL/MTNL Landline Call these local helpline numbers in your respective cities from any other line: Mumbai - 66939500 Pune – 66014156 Delhi – 66603500 Bangalore – 66272829 Chennai – 66841050 Hyderabad – 66629882 Ahmedabad – 66610201 If you are a senior citizen, give us a call on + 1 800 22 99 66 Or, send an email to [email protected]

Domestic Claim

International claim (non america travel).

For Non - Americas Policies:

• Call: +91 – 022 68227600 (Call back facility available)
• Email: [email protected]
• E-claims: https://eclaimsuat.europassistance.in/nearestLocations4

International Claim (America Travel)

For Americas Policies Number

• Call: +1-833-440-1575 (Toll free within US and Canada)
• Email: [email protected]

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Frequently Asked Questions

Policy related, service related, why do i need travel insurance, what is the best travel insurance policy, does the tata aig travel insurance policy some with a free-look period, do i get a grace period for my travel insurance policy, can i buy travel insurance after leaving the country, will pre-existing diseases be covered under my travel insurance policy, will i be refunded if i cancel my travel insurance coverage, how does a travel insurance policy work, can an individual purchase international travel insurance after they have booked their trip, how do i check the status of my travel insurance policy, what happens if my claim is rejected, how do i make a claim against my travel insurance, how would my policy assist me if i misplace my passport, how is a policyholder covered if they have an accident and incur injuries or loss, what documents are needed when filing a travel insurance claim, understanding travel insurance terminology.

• Accident Any unplanned mishap that happens due to no fault of the insured or others. It could lead to injury or a fatality.
• Act of Terrorism Any act of violence from an individual attempting to gain control of or overthrow a government that leads to major damage or loss of life.
• Common Carrier Any commercial individual or organisation that deals in the movement of people and goods from one place to another, such as a commercial airline.
• Condition Precedent A condition upon which the insurance provider agrees to provide cover.
• Congenital Anomaly Any condition that is present in the insured individual since birth and is considered to be abnormal in structure, form or position.
• Deductible A deductible is a small amount that the insured individual is required to pay every time they file a claim against their international student travel insurance policy.
• Disease/Illness Any pathological condition that impairs your body’s normal physiological functions. For cover, the disease or illness should show first signs or symptoms while the policy is in effect and should require medical treatment.
• Educational Institution A school, vocational institute, college, polytechnic, university or institute of higher learning that has the license to provide educational services by trained or qualified teachers and where the inured individual is a full-time student.
• Equipment Failure A sudden or unforeseen breakdown of the common carrier’s equipment, which results in a delay or interruption of the insured’s scheduled trip.
• Free Look Period A period of 15 days, from the day the insured receives the policy documents for a student travel insurance policy. During this time, the insured can look over the documents and choose to cancel the policy without incurring substantial cancellation charges.
• Grace Period A specific period of time, immediately following the premium due date, during which the insured can still pay the premium and continue to enjoy continuity benefits of getting cover.
• Hospitalisation Any instance in which the insured individual has to be admitted into a hospital for a minimum of 24 hours to receive treatment.
• Immediate Family Member An immediate family member refers to the insured’s legal spouse, siblings, siblings-in-law, legal children, parents, parents-in-law, legal guardian, and step-parents who reside in India.
• Inclement Weather Severe weather conditions, such as storms, that delay the scheduled arrivals or departures of common carriers.
• Inpatient/Inpatient Care Any treatment for which an individual needs to stay in a hospital for over 24 hours for a covered event.
• Insured Journey This refers to any trip that the insured individual takes within the policy term. It commences once the individual boards the aircraft for an onward journey and expires on their [arrival](https://www.tataaig.com/travel-insurance/visa-on-arrival-for-indians) back to their city or town of residence or when the policy is set to expire – whichever is earlier.
• Insured Period(s) This refers to the period of time, starting with the effective date and ending with the end date declared in the policy documents, during which the insured individual can get cover for their travel.
• Insured Person The individual, who is a permanent resident of India, and has purchased a travel insurance policy from us.
• Land/Sea Arrangements All pre-paid travel arrangements made for a scheduled trip or cruise for which insurance has been purchased and is arranged by a tour operator, travel agent, cruise line or other organisation.
• Medical Advise A consultation or advice received from a medical practitioner, including the issue of any prescriptions.
• Medical Expenses Expenses that the insured individual has incurred due to an illness or required medical treatment on the advice of a qualified medical practitioner.
• Medically Necessary Any treatments, tests or hospital stays that are required for the medical management of an illness on the advice of a qualified medical practitioner.
• Nervous Disorder A central nervous system disorder that requires the insured person to incur certain covered medical expenses.
• Notification of Claim The process by which the insured individual informs the insurance provider or their TPA that they require to make a claim against the policy.
• Pre-Existing Condition Any ailment, injury or related condition for which you have been diagnosed or had symptoms of or received treatment for in the 48 months prior to the date when the trip is scheduled to start.
• Professional Sports Any sport that the insured plays for which they receive remuneration that makes up 50% or more of their livelihood.
• Reasonable Additional Expense Expenses for services or supplies that are absolutely necessary due to an illness or injury.
• Reasonable and Customary Charges Standard charges for services or supplies that the insured is required to pay to get the required help or treatment.
• Room Rent The amount that a hospital or medical facility charges per day for an individual to occupy a bed.
• Single Trip Insurance A single given trip that is specified on the policy schedule with a beginning date and an expiration date.
• Scheduled Airline Any civilian aircraft that is operated by a civilian air carrier that holds a valid certificate, license or similar authorisation from the country’s aircraft registry. The airline must carry out all operations in accordance with the country’s rules and regulations.
• Serious Injury or Sickness Any injury that a qualified physician declares to be dangerous to the insured’s life.
• Sickness Any illness that first showed symptoms or was contracted after the policy has come into effect.
• Sound Natural Teeth Natural teeth that have not been altered in any way or simply restored to their normal function. The restored teeth should be disease- and decay-free and should not be more susceptible to injury or damage than unaltered natural teeth.
• Sponsor The individual responsible for paying the tuition fee for the insured individual while they are studying at an educational institution outside their home country.
• Strike Labour disagreements that end up interfering with the normal arrivals and departures of common carriers as per the definitions offered by the authorities of each respective country.
• Subrogation Any situation in which the insurance provider, on behalf of the insured individual, takes legal action against a third party that caused injury or loss to the insured.
• Sub-limits Sub-limit refers to the maximum amount that the insured individual will receive for any particular claim as per the amounts provided in the policy schedule. For certain claims, there is no sub-limit and the maximum sum insured can be paid.
• Sum Insured The maximum amount of coverage your international student travel insurance provider will have to pay in case of various injuries or loss.
• Travelling Companion Refers to two named individuals who are booked to travel along with the insured on the trip.
• Trip Any insured journey that the insured individual takes during the course of the policy term. The journey must start and end in India and should be to a destination outside of India.
• Tuition All legally required registration fees charged by an accredited educational institution for the required courses and any laboratory or extra-curricular course fee as well. This does not include the costs associated with purchasing text books, learning materials or boarding and lodging.
• Unproven/Experimental Treatment that does not have an established medical practice, including drug experimental therapy.
• Accidental Death and Dismemberment Any accident that causes the loss of life, sight, or limbs while travelling.
• Accommodation It refers to any establishment that charges a fee for temporary overnight housing and requires bookings.
• Pandemic An outbreak of an infectious disease or illness that spreads swiftly and extensively and is classified by the CDC (Centers for Disease Control and Prevention).
• Coverage Period The total length of time that a travel policy will cover you during a trip
• Premium It is the sum of money that an insured individual must pay to the insurance company in exchange for the insurance policy. The premium cost varies based on the insurance coverage you select. It is worth noting that choosing a greater deductible may decrease your monthly payments, but the quality of protection will be lesser, and you may be exposed to higher charges in the event of an accident.
• Reimbursement The amount of money that an insurance company will pay you for medical treatment or hospital fees that you have previously spent is referred to as reimbursement or compensation.
• Policyholder The policyholder, often known as the policy owner, is the individual who purchases the insurance policy and pays the premiums. The insured may or may not be the policy owner. For example, Kritika is free to purchase an insurance policy for her husband Swapnil; in such an instance, Kritika is the policyholder and her husband is the insured party, meaning he's the only one who would get benefits under the terms of the policy.
• Foreseeable Event It is one that was reasonably anticipated prior to the purchase of the plan. When it is feasible for persons heading to a region to be aware of an occurrence, it becomes predictable. For example, if the airline you're travelling with declares a strike, the event becomes predictable after they make the announcement.
• Physician It is defined as a person who is licenced as a medical doctor by the jurisdiction in which he or she resides and who practises the healing arts. They must be practising within the extent of their licensure for the service or treatment provided and cannot be you, a travelling companion, or a family member.
• Trip Cost It refers to the costs of your travel arrangements that you paid before leaving on your trip and would be lost if your trip was cancelled. This covers flights, cruises, lodgings, excursions, entertainment, and other fees that you may incur if you are unable to travel.
• Maximum Policy Coverage The maximum amount of compensation that will be paid for expenditures covered by a policy.
• Insured Journey This refers to any trip that the insured individual takes within the policy term. It commences once the individual boards the aircraft for an onward journey and expires on their arrival back to their city or town of residence or when the policy is set to expire – whichever is earlier.
• Single Trip Insurance These plans have a one-time premium charge and are only good for one trip. This is best suited for infrequent travellers and often provides no more than 6 months of coverage.
• Multi-Trip Travel Insurance For frequent flyers, multi-trip travel insurance policies are the best options. These plans have a yearly validity period and need a premium payment each year. Travellers are protected for any number of trips they take during this time period.
• Subrogation It occurs when an insurance company reimburses its insured for injuries or losses caused by a third party. If a third party caused harm, the insurer can still sue the third party to collect the lost money.

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BEWARE OF SPURIOUS PHONE CALLS AND FICTIOUS / FRADULENT OFFERS IRDAI or its officials do not involve in activities like selling insurance policies, announcing bonus or investment of premiums. Public receiving such phone calls are requested to lodge a police complaint. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

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• International Travel Insurance

International travel insurance gives you the security and peace of mind to explore a country worry-free and relaxed. As you make memories in a faraway land experiencing the uniqueness of a new culture and its people, ensure that you are financially secured against any unforeseen event. Remember, medical and dental emergencies always come uninvited and might not spare you during your vacation. Such expenses in a foreign land can cost you dearly. Having International travel insurance or overseas travel insurance can save you from such a crisis.

Apart from medical emergencies, other unfortunate events can make a dent in your happiness, like flight or baggage delays. During International travel, loss of check-in baggage is quite common. These situations can lead to additional expenses and make your travel budget go haywire. But with the assurance of foreign travel insurance, you can spend your holidays without fretting over such mishappenings. Moreover, in case of loss of essential documents like a passport or theft or burglary, International travel insurance gives you the cover and security needed at such trying times. If you are planning a foreign trip either for work or leisure opt for HDFC ERGO’s International travel insurance policy online and secure your trip from the comforts of your home.

Why do You Need International Travel Insurance?

While travelling abroad, have a backup plan ready to get the most out of your time if the previously planned itinerary doesn't work out. An overseas travel insurance plan will provide coverage for loss against lost luggage, flight delays, baggage delays or any unforeseen events. HDFC ERGO’s International Travel Insurance provides a network of 1 Lac+ cashless hospitals and 24x7 support to settle claims effortlessly.

Our travel insurance will essentially secure you under following circumstances:

• Luggage Loss
• Baggage Delays
• Medical Expenses
• Flight Delays
• Emergency Dental Expense
• Emergency Financial Assistance

International Travel Insurance Plans by HDFC ERGO

International travel insurance - individual.

While on a solo trip, ensure your family is at peace regarding your safety and well-being with the backing of the HDFC ERGO Explorer individual plan. An individual international travel insurance plan can come in handy in various situations, like, medical emergencies or any unforeseen events, such as - luggage loss/delays, flight delays, theft, or loss of personal documents.

International Travel Insurance – Family

Whenever you are travelling with your family, you have the responsibility to take care of their safety during the trip. Secure your family’s vacation with HDFC ERGO Explorer plans for your family as they make long-lasting memories.

International Travel Insurance – Student

When you are travelling abroad for study purpose, make sure that you have a proper travel insurance plan for student. A travel insurance policy will help overcome any uncertainty that might occur due to any unfortunate incident like theft, luggage loss/delays, flight delays, etc. With HDFC ERGO Explorer policy for student, you can completely concentrate on studies during your stay abroad.

International Travel Insurance - Frequent Flyers

Under one comprehensive travel insurance plan, you can secure multiple trips. With HDFC ERGO Explorer you can enjoy multiple trips peacefully with just one international travel insurance plan.

International Travel Insurance – Senior Citizens

Whether planning to go for a leisure holiday or visit a loved one, secure your trip with HDFC ERGO Explorer for Senior Citizens to get cover from any medical or dental emergencies that can catch you off guard overseas.

What Does HDFC ERGO International  Travel Insurance Policy Cover ?

• Medical Coverage
• Journey-Related Coverage
• Baggage-Related Coverage

Emergency Medical Expenses

This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.

Dental Expenses

We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.

Personal Accident

We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.

Personal Accident : Common Carrier

We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.

Hospital cash - accident & illness

If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.

Flight Delay & Cancellation

Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.

Trip Delay & Cancellation

In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.

Loss of Passport & International driving license

Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.

Trip Curtailment

Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.

Personal Liability

If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.

Emergency Hotel Accommodation for Insured Person

Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions

Missed Flight Connection

Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.

Hijack Distress Allowance

Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.

Emergency Cash Assistance Service

When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.

Loss Of Checked-In Baggage

Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.

Delay of Checked-In Baggage

Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.

Theft of baggage and its contents

Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.

The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.

What Does HDFC ERGO’s International Travel Insurance Plan Not Cover?

Breach of law.

Sickness or health issues caused due to war or a breach of the law is not covered by the plan.

Consumption of Intoxicant substances

If you consume any intoxicants or banned substances, the policy shall not entertain any claims.

Pre existing diseases

If you suffer from any illness before the travel you’ve insured and if you undergo any treatment for an illness that already exists, the policy does not cover expenses related to these incidents.

Cosmetic and Obesity Treatment

Should you or any member of your family opt to undergo any cosmetic or obesity treatment during the course of the travel you’ve insured, such expenses remain uncovered.

Self Inflicted Injury

Any hospitalization expenses or medical costs arising from self-inflicted injuries are not covered by the insurance plans we offer.

The above mentioned coverage may not be available in some of our Health plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plans.

Key Features of HDFC ERGO Overseas Travel Insurance Policy

Compare international travel insurance plans, benefits of international travel insurance.

Here are a few benefits of having International travel insurance -

• Covers for medical expenses: Medical expenses can burn a hole in your pocket during an international trip. But you can get treated in a foreign land with the assurance of International Travel insurance. But International travel insurance ensures that you are covered for such emergencies, saving you a lot of money while ensuring proper treatment and care. HDFC ERGO’s International travel insurance provides cash reimbursements on hospital bills and easy access to 1Lakh+ hospital networks worldwide.
• Promises baggage security: Loss of check-in baggage or delays can derail your  holiday plans, but with International travel insurance, you are covered for essentials that can keep you in line with your plans like lost or delayed luggage. Unfortunately, these issues with luggage are quite common on an international trip. With International travel insurance, you are secured against lost or delayed luggage so you can enjoy your holiday seamlessly.
• Covers against uneventful situations: While holidays are all about smiles and joys, life can sometimes be harsh. Flight hijacks, damage to third-party property can dampen your holiday mood. But International travel insurance can ease your stress at such times. International travel insurance secures you from such incidences too.
• Ensures you don’t exceed your travel budget: In case of medical or dental emergencies, your expenses can exceed your budget. Sometimes you might have to extend your stay to complete your medical treatment, which could exceed your expenses. But International travel insurance covers those added hotel expenses too.
• Constant assistance: Robbery, theft or loss of a passport in a foreign land is not unheard of. Having travel insurance can provides peace of mind by protecting you against any financial losses

Buy Overseas Travel Insurance Policy Online

Buying international travel insurance is a click away and can be done from the comfort of your home or office at your convenience. Therefore, the online purchase of overseas travel insurance plans has picked up and is growing with each passing day.

• Click here  link , or visit the HDFC ERGO travel insurance webpage to BUY our policy.

• Enter traveler details, destination information, and trip start and end dates.

• Choose your preferred plan from our three tailored options.

• Provide your personal details.

• Fill in additional details about the travelers and proceed to pay using online payment methods.

• All that's left to do is- download your policy instantly!

So, Have you compared the plans and found the one that suits you best?

Why choose hdfc ergo international travel insurance, covers travel related inconveniences.

While travelling, there is a possibility of flight delays, loss of baggage or checked-in baggage delay. These things can be pretty unsettling. But with the security of travel insurance, you can be assured of being covered for refreshments and essentials during such circumstances.

Covers Baggage-Related Hassles

Most travellers get scary thoughts about their luggage getting misplaced, mainly containing essential items like medicines, clothes, etc. HDFC ERGO's International Travel Insurance Policy covers you for expenses due to baggage loss during your trip.

Covers Emergency Medical Assistance

While travelling, you might encounter an unexpected medical emergency in a foreign territory. Overseas travel insurance comes with emergency medical benefits and is just the friend you need during tough times. In addition, our 1 Lac+ cashless hospitals network is there to take care of you.

Affordable Travel Security

HDFC ERGO international travel insurance policy has different plans to meet individual requirements. Our travel insurance plans are tailor-made for every traveller. We offer affordable premiums that complement everyone’s travel budget.

Round-the-clock Assistance

No matter what time it is in your part of the world, dependable assistance is just a call away. Thanks to our in-house 24x7 claim settlement & customer support mechanism.

1 Lac+ Cashless Hospitals

You will get the best travelling experience if you travel without any worry. In case of a medical emergency, while holidaying abroad, you can avail assistance from our network of 1 Lac+ cashless hospitals worldwide during the trip.

  Does HDFC ERGO’s International Travel Insurance Cover COVID-19?

While the world is returning to normal and international travel is blooming again, the fear of COVID-19 still looms large over us. Quite recently the emergence of a new variant - Arcturus covid variant – caused much concern among the public and healthcare experts alike. While most countries have relaxed their travel protocols related to COVID-19, precaution and alertness can help us keep another wave at bay. The challenging bit is that any emergence of a new variant is reported to be more transmissible than previous strains. This uncertainty also means that we cannot put anything to chance yet and must follow the basic precautions to prohibit transmission. Masks, sanitisers and compulsive cleaning should still be our mainstay. Whenever a new variant makes its presence felt, Covid cases in India and abroad increase rapidly highlighting the importance of vaccinations and booster doses. If you aren’t vaccinated yet, it’s high time you get the jab. Remember to take your booster doses on time too. International visits can be interrupted if you have not taken the requisite doses, as it is one of the mandates for overseas travel. Watch out for symptoms such as - cough, fever, fatigue, loss of smell or taste, and difficulty breathing, which could be a matter of concern and get checked at the earliest, especially if you are planning international travel or are at a foreign destination. Medical expenses in a foreign land can be expensive, so having the backing of international travel insurance can be of much help. HDFC ERGO’s international travel insurance policy ensures that you are protected if you catch COVID-19.

Here’s what is covered under the travel medical insurance for COVID-19 -

• Hospitalisation expenses

• Cashless treatment at network hospitals

• Daily cash allowance during hospitalisation

• Medical evacuation

• Extended hotel stay for treatment

• Medical and body repatriation

Factors that Affect Your International Travel Insurance Premium

The country you’re travelling to.

If you’re travelling to a safer or economically more stable country, the insurance premium will likely be lower. Also, the farther the destination is from your home, the higher will be the insurance premium.

The duration of your trip

The longer you are away, the higher the probability of you falling ill or getting injured. Therefore, the longer your travel duration, the higher will be the premium charged.

The age of the traveller(s)

The insured's age plays a vital role in determining the premium. Travel insurance premiums for senior citizens could be slightly higher as their risk of illness and injury increases with age.

The extent of coverage you choose

The type of travel insurance coverage the insured person chooses decides the premium of their policy. A more comprehensive travel insurance plan will naturally cost higher than more primary coverage.

Know your Travel insurance premium In 3 Easy Steps

Add your trip details

Fill your personal details

choose your travel insurance plan

Choose your travel insurance plan

Many countries have made it mandatory for foreign travellers to obtain a valid international travel insurance policy before entering their borders?

  how to claim international travel insurance.

The claims process of HDFC ERGO travel insurance is straightforward. You can place a claim on your travel insurance online on cashless as well on a reimbursement basis.

• Cashless Claim
• Reimbursement Claim

Intimate claim to [email protected] and get a list of network hospitals from TPA.

[email protected] will share documents required for cashless claims.

Mail Documents

Download the digital claim form from here

Send digital claim form to [email protected] along with ROMIF.

Intimate claim to [email protected] or call on Global Toll-Free No : +800 08250825

[email protected] will share the checklist/documents required for reimbursement

Claim documents along with claim form to be sent to [email protected] or [email protected]

Claim is registered by HDFC ERGO call centre executive on respective claims system.

International Travel Insurance for Most Visited Countries

Take your pick from the options below, so you can be better prepared for your trip to a foreign country

Travel Insurance for

Travelling to the US?

There’s nearly a 20% chance that your flight could be delayed. Protect yourself with HDFC ERGO’s travel insurance.

Hear from our happy customers.

Our customers have rated us

STUDENT SURAKSHA OVERSEAS TRAVEL

10 Sep 2021

Happy with the service

my:Single trip Travel insurance

05 Jul 2019

I have seen few of the insurance policies before deciding to choose HDFC insurance as my life partner. One of the interesting part is monthly-autodeduction from my card as well as it sends the reminder before the due date. The app developed is also so friendly to use and gives me a better experience compared to other insurance company.

Pros: - excellent pricing: quotes from other insurers during past three-four years have been always 50-100% higher including all possible discounts and membership benefits - excellent service: choice of billing, payment, documentation options - excellent customer service: newsletters, prompt and professional replies from the representatives Cons: - none till now

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Frequently asked questions on overseas travel insurance, 1. which overseas travel insurance is best.

A unique feature of HDFC ERGOs Overseas Travel Insurance is its 24x7 in-house claim settlement services, complemented by a vast network of 1 Lac+ cashless hospitals

2. How much does it cost for international travel insurance?

The premium on your travel insurance depends upon your destination and the duration of your stay. The age of the insured person and the different types of plans chosen play a vital role in deciding the cost of the international travel insurance policy.

3. Can I buy travel insurance while abroad?

Your policy cover starts from the immigration counter of your home country and ends once you return after your vacation and complete your immigration formalities. This is why you cannot buy travel insurance while you are abroad. Therefore, travel insurance purchased after the commencement of the journey is not considered valid.

4. Can I extend my travel insurance while abroad?

Once abroad, you can extend your travel insurance policy if it is still valid. However, remember you can only extend your existing policy. You cannot buy one while you are away.

5. Can you buy travel insurance the day you leave?

Yes, you can buy the travel insurance policy even at the last minute. So even if it's your departure day and you're not insured, you can buy a travel insurance cover.

6. Can I see a doctor with travel insurance?

Yes, you can seek doctor help when you are abroad, as international travel insurance policies cover medical expenses.

7. Do I need international travel insurance to get a visa?

If you are travelling to Schengen countries, buying travel insurance is a must to get a visa. Apart from this, many countries have mandatory travel insurance for getting a visa. Therefore, it is advisable to check the visa requirement of every nation before travelling.

8. I had to cancel my trip for personal reasons, but I already bought travel insurance. Can I get a refund?

Yes, you can get a refund for trip cancellation if you cancel the journey before the departure date due to unforeseen conditions like an emergency at home, the sudden death of a family member, political turmoil or a terrorist attack. A complete refund of your premium is possible in such situations after the cancellation of the policy.

9. What is the Maximum Trip Duration Covered under an Overseas Travel Insurance Policy?

Total policy period, including extensions, shall not exceed 360 days.

10. Should I buy international travel insurance before booking a flight abroad?

Yes, it is advisable to secure your jour with a travel insurance policy before booking a flight abroad. You can do so by going with a multi trip insurance plan that will save you from the hassle of purchasing travel insurance each time you make a trip and it also proves to be cost-effective.

11. Can You Buy Overseas Travel Insurance After Booking a Flight?

Yes, you can buy overseas travel insurance after booking a flight, even on the day of your departure. However, it is advisable to buy the travel insurance cover within 14 days of booking your holiday.

12. Will Extending the Policy Affect My International Travel Insurance Cost?

You can reschedule your policy free of cost; however, the extension of the policy will affect the cost. The increase in cost will depend upon the number of days you extend.

13. If I Return to India Earlier Than Scheduled, Will I Get a Partial Refund for My Overseas Travel Insurance Policy?

No, you will not get a partial refund if you return to India earlier than the scheduled date.

14. If I Buy International Travel Insurance Online, Will It Cover the Cost of Dental Treatment?

Yes, it covers the cost of dental treatment. In addition, international travel insurance covers the costs of emergency dental work up to $500* arising out of an accidental injury.

15. Will an Overseas Travel Plan Cover Me if I Get Injured While Traveling on a Ship or Train Overseas?

Yes, it will provide coverage for injury caused while travelling on a ship or train overseas.

16. If I Get Injured on the Last Day of the Trip, Will My International Travel Insurance Policy Get Extended?

Suppose you extend your stay on the last day of your trip due to a medical emergency, accident, or injury. In that case, you can extend your travel insurance policy for 7 to 15 days without paying any premium. 

17. Can I File an International Travel Insurance Claim After Getting Back to India?

Yes, it is possible to file a claim after travelling back to India. However, remember you need to file the claim within 90 days of any unfortunate event like a medical emergency or loss of documents, except if otherwise stated by your insurer.

18. What is the document provided as proof of travel insurance?

The insurer's soft copy mailed to you is enough to work as proof for your travel insurance. However, it is advisable to jot down your policy number and, more importantly, have our 24-hour assistance telephone number with you, so you can contact us if you need our help while you're away.

19. I bought international travel insurance online through the HDFC ERGO website. How do I contact customer care from a foreign country in case of a claim?

Call our emergency travel assistance partner on the 24-hour alarm centre for travel, medical advice, and assistance during your trip.

• E-mail: [email protected]

• Toll free number (globally): +80008250825

• Landline (chargeable):+91-120-4507250

Note: Please add the country code while dialing the contact number.

20. When does my international travel insurance policy coverage start?

Travel insurance coverage starts at the immigration counter of the home country and continues until the immigration is completed after returning to the home country.

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Travel plans to suit your every need

Travelling is exciting. Exploring new landscapes, learning about different cultures, and creating lasting memories make for an enriching experience. It is a great way to step out of your daily routine and experience something new with your loved ones.

But unexpected events such as trip cancellation, medical emergencies, lost or stolen luggage, etc. can leave you in a stressful situation. More importantly, it can lead to higher expenses than what you had planned.

Therefore, before you start planning your next vacation, you must be prepared for such situations to ensure a safe and enjoyable experience.

This is where travel insurance comes into the picture. It ensures that you are safe in case something goes wrong and makes it easier to manage unexpected expenses. If you want a stress-free travel experience and to make the most of your trip with your loved ones, you must buy travel insurance.

What is Travel Insurance?

When travelling to a new city, certain unexpected events can cause you stress and lead to financial losses. For example, medical emergencies, trip cancellations, lost luggage, etc. These situations can be inconvenient and leave you with a bad experience.

Travel insurance protects you in these events. It is an insurance plan that guards you against financial losses that can occur due to unexpected events on your trip.

It typically includes a variety of coverage options, such as trip cancellation and interruption coverage, medical coverage, luggage coverage, and more. It's an affordable way to protect yourself and your investment in your trip and enjoy your vacation with your loved ones.

Why Do I Need Travel Insurance

There are many reasons why you must buy travel insurance. Some of these include:

Unexpected events such as a severe illness or the death of a loved one can force you to cancel or cut short your trip, leaving you with non-refundable expenses. Travel insurance can reimburse you for these costs.

Medical treatments can be very expensive, especially if you become ill or injured while travelling abroad. Travel insurance can provide financial assistance for medical expenses, including emergency medical evacuation if necessary.

Losing your luggage can be a major inconvenience, and the cost of replacing your belongings can add up quickly. Travel insurance can reimburse you for the cost of lost or stolen luggage.

Accidents or death can happen at any time, and travel insurance can provide coverage for accidental death or dismemberment, which can provide financial assistance to your family in case of your death or injury.

Delays due to bad weather or other reasons can disrupt your travel plans and cause additional expenses. Travel insurance can reimburse you for these costs.

Features of Travel Insurance in India

Travel insurance in India comes with a ton of features. These include-

Coverage for unexpected events

When you are planning a vacation with your family, the last thing you want is to have something unexpected disrupt your plans. This not only wastes your time but also causes stress and leads to hefty expenses. Travel insurance covers a wide range of unexpected events, including trip cancellations, medical emergencies, lost or stolen luggage, and more to ensure you can enjoy your trip in peace.

24/7 emergency assistance

Emergencies are, of course, unexpected. They can throw you off and leave you hanging for help. Travel insurance policies include 24/7 emergency assistance, which can provide help and support in case of an emergency while you're travelling.

Global coverage

There is nothing worse than ending up in an uncomfortable situation in a foreign land. You might not know the local language or whom to contact for help. Many travel insurance policies in India provide coverage for international travel, so you can have peace of mind knowing that you're protected no matter where you go.

Affordable pricing

If you think travel insurance is expensive, think again. Travel insurance in India is generally affordable, making it accessible to a wide range of travellers. Moreover, it makes it very convenient to manage hefty medical bills or non-refundable losses.

Easy claims process

Travel insurance policies have a simple claims process. This makes it easy and convenient to get the financial assistance you need in case of an unexpected event.

Customizable coverage

Some travel insurance policies in India allow you to customize your coverage based on your specific needs, budget and the duration of travel. This is an excellent option if you need more control over your plan and do not want to pay for certain coverage.

Coverage for adventure and sports activities

Some policies also offer coverage for adventure and sports activities, such as hiking, scuba diving, and more. So if your trip includes some fun activities, travel insurance ensures you have a safe experience.

Online purchase and renewal

Lastly, you do not need to visit a physical branch to buy travel insurance. Most travel insurance providers in India offer online facilities to purchase and renew travel insurance, making it easier and more convenient for travellers.

Why Choose Future Generali Travel Insurance

Buying travel insurance before a trip is important. Buying it from a reliable provider is even more important. Here's why Future Generali is your ideal option when it comes to travel insurance-

Have you been eyeing that international trip for a while? With Future Generali's travel insurance, you can plan your trip without any stress. We provide complete overseas protection with 24/7 toll-free assistance no matter where you are in the world.

Imagine arriving in a new city only to realize your luggage is lost or you've fallen sick. With our comprehensive travel insurance coverage, you manage unexpected situations without any stress. We provide coverage for medical expenses, baggage delay/loss, loss of passport, and more.

No matter which part of the world you are exploring, we are always available to assist you with all medical and travel assistance services.

You don't have to run back and forth to settle your claim with us. We provide easy and cashless claim settlements so you can manage travel emergencies without additional financial losses.

Types of Travel Insurance in India

Travel insurance providers in India offer different types of plans. These include-

Domestic Travel Insurance

Domestic travel insurance provides financial protection and peace of mind for travellers within the country, ensuring that they can enjoy their trip without worrying about unexpected events. They protect you against a wide range of unexpected events, such as trip cancellations, medical emergencies, and lost or stolen luggage. Moreover, domestic insurance is more affordable than international travel insurance and does not require a visa.

International Travel Insurance

This plan is ideal if you're going on an international vacation or business trip. It provides similar coverage to domestic travel insurance and gives peace of mind to individuals travelling outside of India. Some countries also require travel insurance as a mandatory document for visa application.

Single and Multi-trip Travel Insurance

Single trip insurance is valid for just one tip and covers all medical and non-medical expenses. Whereas, a multi-trip plan provides coverage for an extended period and is valid for all the trips you take during this period. If you are a frequent flyer, then a multi-trip plan is the best for you.

Senior Citizen Travel Insurance

As the name suggests, this plan is exclusively for senior citizens (over 60 years of age). But besides the usual coverage, the senior citizen travel insurance also offers additional benefits like cashless hospitalization, dental treatments/procedures, etc.

Medical Travel Insurance

Medical emergencies can come unannounced. But they can be even more inconvenient when you are in a new city. Medical travel insurance exclusively covers medical expenses that may occur during your trip. Some policies also provide coverage for COVID-19 medical expenses, quarantine costs, and trip cancellation or interruption due to COVID-19. This ensures that you can get the medical treatment you need wherever you are without worrying about the cost.

Group Travel Insurance

When you are travelling in a group for a vacation or a business conclave, buying individual travel insurance for all members can significantly increase the premium. This is where group travel insurance comes in. It lowers the insurance premium without compromising the safety of members.

What is Covered in Future Generali's Travel Insurance Policy?

Your travel insurance coverage will depend on the plan you select. However, some common coverage includes-

• Sickness medical expenses'
• Accident medical expenses
• Emergency medical evacuation
• Repatriation of remains
• Daily hospital allowances
• Emergency sickness dental relief
• Hijack benefit
• Trip cancellation
• Trip curtailment
• Loss of passport
• Missed connection
• Baggage loss
• Compassionate visit
• Financial emergency
• Baggage delay
• Accidental death and permanent total disablement
• Accidental death on a common carrier
• Accidental death (air travel only)

What is Not Covered?

The policy does not cover-

Pre-existing diseases

Unexpected events occurring before your trip begins

Travelling against the advice of a medical practitioner

Participating in naval, military, or air force operations

Injury/disease caused by nuclear weapons/materials

Travelling to countries with special travel restrictions

Self-inflicted injury or illness

Medical and nervous disorders

Sexually transmitted diseases, AIDS, and HIV

Being under the influence of drugs, alcohol, or other intoxicants

Overseas Travel Insurance Coverage for Coronavirus (COVID-19)

The travel and tourism industry was the most affected by the pandemic. But with things getting back to normal, travels are resuming.

While the pandemic may be behind us, we must not forget that it is not completely over. This is why it is wise to buy travel insurance coverage for Coronavirus before you embark on your next trip. Moreover, many countries have made COVID insurance mandatory for VISA approval.

But why is travel insurance coverage for coronavirus so important?

For starters, it offers financial protection if you need to cancel or interrupt your trip due to COVID-19. With standard travel insurance policies not covering pandemics, it can be difficult to recoup the costs of your trip if you have to cancel or interrupt it.

 Travel insurance coverage for coronavirus also provides coverage for emergency medical expenses if you catch the virus while travelling. This is especially important if you're travelling to a destination where medical care may not be readily available or may be more expensive than in India.

Moreover, it covers expenses such as quarantine costs, testing fees, and transportation costs if you need to return home early due to a COVID-19 diagnosis. It also provides coverage for trip interruption, which includes additional travel and accommodation expenses if you are unable to complete your trip due to COVID-19.

Travel insurance coverage for coronavirus is crucial because it offers peace of mind and financial protection if your trip is impacted by the pandemic. With the uncertainty and evolving situation of COVID-19, having travel insurance coverage for coronavirus can provide you with a sense of security.

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Eligibility Criteria for Travel Insurance Policy in India

To buy travel insurance in India, you must meet the following eligibility criteria-

·         You must be an Indian resident

·         Your age must be between 0.6 and 70 years (over 61 years for senior citizen travel insurance

·         For student travel insurance, you must be enrolled in a foreign educational institute

Europ Assist

We love to make your travel experiences and insurance claims smooth. Our partnership with Europ Assistance, a popular travel assistance provider, helps us do just that.

How To Avoid High Premiums

Factors That Affect Travel Insurance Premium

There are several factors that can affect the premium of a travel insurance policy. These include-

The destination of travel : Travel insurance premiums can vary depending on the destination of travel. More risky or remote destinations usually come with higher premiums.

The length of the trip : Longer trips typically have higher premiums than shorter trips.

The age of the policyholder : Older policyholders may have to pay higher premiums due to an increased risk of medical issues.

The coverage amount : The higher the coverage amount, the higher your premium will be.

The type of policy : Different types of travel insurance polices, such as single-trip, multi-trip, or long-term policies, will have different premiums.

The type of coverage : Some policies may offer additional coverage for events like trip cancellation, baggage loss, or personal accident which may increase the premium.

Pre-existing medical conditions : If you have pre-existing medical conditions, this may affect your premium, and you may be required to pay more.

Tips to Lower Your Travel Insurance Premium

You can take a few steps to ensure you get the maximum coverage at the most affordable premiums.

Compare quotes from multiple providers : Before finalizing the insurance provider, make sure you do your research and compare the quotes from different providers. This will help you find the best deal on travel insurance.

Choose a policy with the coverage you need : Many providers allow you to customize your plan and only pay for the coverage that you need. This eliminates any unnecessary coverage that increases the premium.

Look for discounts : Some providers offer discounts for things like paying for your policy in full or purchasing it well in advance of your trip. Make sure to ask for such offers before finalizing the provider.

Avoid high-risk activities : Some activities, such as adventure sports, can increase your premium. If you plan to participate in such activities, make sure they are covered by your policy. To lower your premium, try to avoid any high-risk adventure activities.

Consider a longer trip : Some policies offer better rates for longer trips, so consider extending your trip if you can.

Pay attention to the excess or deductible : A higher excess or deductible may lower your premium.

Why Should You Buy Travel Insurance Online?

Many insurance providers allow you to buy your desired travel insurance from the comfort of your home. There are several reasons why buying travel insurance online is a good idea. These include-

Convenience

Buying travel insurance online is quick and easy, and you can do it from the comfort of your own home or while on the go.

Comparison shopping

With many providers and plans to choose from, you can compare prices and coverage options to find the best deal for you.

Immediate coverage

With online purchases, coverage begins immediately and you will receive the insurance policy instantly in your email.

Easy claims

Many travel insurance providers offer online claim filing and tracking too, making it easy to file a claim if you need.

Access to customer support

Many travel insurance providers offer 24/7 online customer support to help you with any questions or issues that may arise.

Additional Discounts

Many providers offer attractive discounts when you buy travel insurance online. This makes it a good way to save money.

You can easily read reviews and check the reputation of the provider before purchasing.

Things to Consider While Buying Travel Insurance Online

When you are buying travel insurance online, there are several key factors that you must consider. These include the following-

Make sure that the policy covers the things that are important to you, such as medical expenses, trip cancellation, and lost or stolen luggage. Additionally, check the validity of the policy and make sure it covers your entire trip.

Be aware of any exclusions in the policy to avoid any inconvenience later. This includes factors such as pre-existing medical conditions or certain types of travel, such as adventure sports.

Check the policy's deductibles and limits, which will determine how much you will have to pay out of pocket in case of a claim and the maximum payout for a covered event.

Check the reputation of the insurance provider and read customer reviews before making a purchase.

Shop around and compare prices from multiple providers to find the best deal.

Read the policy's fine print carefully and understand the terms and conditions of the coverage.

Understand the claims process and make sure it's simple and efficient.

Make sure the provider has a dedicated customer service team that can assist you when you need it no matter where you are in the world.

Many countries have made travel insurance coverage for coronavirus mandatory for visa approval. So make sure your travel insurance covers coronavirus too. You can also opt for it as an additional cover.

How Can I Purchase Travel Insurance?

Get a quick quote.

We only need some basic details about your travel and visa to give you a quote.

Fill the form

Select a quote that suits you and fill our proposal form. Answer some questions about your travel.

Pay and get your policy

Now pay the premium and get your policy in your inbox!

FG Insure App

Track and manage your policies with the FG Insure App.

The app links have been shared with you on your mobile number.

What is the claim process?

Our claim settlement process is fast and relaible.

Guarantee letter

Bill Settlement

Report a Travel Claim

Facing problems on your trip? 

Whatever it is, we are here to help you 24/7. Get in touch with us to begin your insurance claim process.

Countries Where Travel Insurance is Mandatory

Many countries have made travel insurance mandatory for visa approval. If you are travelling to any of the following countries, you need to buy travel insurance-

How to Extend International Travel Insurance?

You might need to extend your international trip because something unexpected came up or simply to enjoy some more time with your loved ones. But don't forget to extend your travel insurance too.

You can easily extend your travel insurance by following these steps-

Check if an extension facility is available for your policy

Get in touch with us via phone or email or visit your nearest Future Generali branch

Fill out the extension form and submit the required documents

We will verify your policy status, documents, and other details and extend your international travel insurance

FAQs - Frequently Asked Questions

Travel insurance is a type of insurance that covers various financial losses that may occur during your trip, such as trip cancellation, medical expenses, lost or stolen luggage, and emergency evacuation.

Travel insurance typically covers trip cancellation, medical expenses, lost or stolen luggage, emergency evacuation, and other unexpected expenses that may occur during a trip. Some policies also cover things like a trip interruption, travel delay, and accidental death or dismemberment.

While it's not legally required, travel insurance can provide financial protection in case of unexpected events during a trip. It's a good idea to have travel insurance, especially if you're travelling internationally or planning a trip that involves a significant investment. Moreover, many countries have made travel insurance mandatory for visa approval.

The cost of travel insurance varies depending on factors such as the type of coverage, the duration of the trip, and the destination. On average, a basic travel insurance policy can cost anywhere from 4-10% of the total trip cost.

You can buy travel insurance online or offline depending on your preference. You will typically need to provide information such as the details of your trip, the type of coverage you need, and your personal information.

Yes, you can cancel your travel insurance policy, depending on the terms and conditions. Some providers may offer a refund if the cancellation is made before the trip starts or within a certain time frame.

A pre-existing medical condition is a health problem that existed before you purchased the policy. Some travel insurance policies do not cover pre-existing medical conditions, while others may require additional information or charge a higher premium.    

Yes, you can purchase travel insurance after you've booked your trip, but it's best to do it as soon as possible. Some travel insurance policies have time limits for when they can be purchased, and some policies may not cover certain events that happen before the policy is purchased.

The type of coverage you need will depend on the details of your trip and your personal needs. Some common types of coverage include trip cancellation, medical expenses, lost or stolen luggage, and emergency evacuation. It's best to review the different types of coverage and compare them to find the best policy for your trip.

Many travel insurance policies do not cover adventure sports or activities by default, but you can often add coverage for an additional premium. It's important to check the policy details and make sure the activities you plan to do are covered.

A single-trip policy is designed to provide coverage for a specific trip, usually for a set number of days. This type of policy is ideal if you are taking a one-time trip, such as a vacation or a business trip. A multi-trip policy, on the other hand, is designed to provide coverage for an extended period for an unlimited number of trips, usually for an entire year. This type of policy is ideal if you travel frequently for business or leisure.

When you buy travel insurance from Future Generali, you get access to benefits like-

• Complete overseas protection with 24/7 toll-free assistance
• A comprehensive coverage
• Easy and cashless claim settlements

We depend on the global expertise of EUROP ASSISTANCE (Generali Group Company) for this service.

Yes. You can avail of the family plan under Asia & Schengen Travel policy.

We offer a minimum cover of  50,000 Euros under the Schengen travel plan; 25,000 USD under the Asia plan; and a minimum of 50,000 USD under the World Plan. For Student Suraksha, the minimum coverage under the Asia plan (excluding Japan) is 25,000 USD and under the World plan is 50,000 USD.

Yes, a cashless mode of settlement is available in most overseas hospitalization cases. There is a minimum deductible under Medical expenses and Emergency Dental relief cover which vary with the plan chosen (25-100 USD).

Yes, Future Generali provides an extension facility under all travel plans.    

For Future Travel Suraksha, Future Travel Suraksha Select, Future Easy Travel Worldwide, Future Easy Travel Schengen, and Future Student Suraksha - there is no medical examination required if you do not make any medical declarations in the proposal form. However, in case of any medical declaration, medical tests shall be advised by the Underwriting Team for the Future Travel Suraksha Superior Care plan - proposal with the age of 71 years to 80 years, medical tests are required.

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Trip Cancellation

Coverage for financial loss incurred due to cancellation of trip before its onset

Emergency in-patient Medical treatment

Covered up to sum snsured

Destination Specific Plans

Separate plans for Asia Pacific region, Europe, USA & Canada and worldwide

Hospital daily cash allowance

Up to $50/day

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TravelAssure Policy Wordings

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TravelAssure Application Form

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What is Travel Insurance?

Travel insurance is a type of insurance that is custom-made for people going on domestic and international travels. It addresses the various risks that one may face during travels, including hospitalisation, medical expenses, loss of luggage or documents, cancellation or disruption of flights, and various other costs. Travel insurance covers you from the date of departure till your arrival back at the place of origin. For frequent fliers, a travel plan that remains effective for a certain period is more suitable as it covers multiple travels during the policy period.

How to Buy Travel Insurance Plan?

You can buy a travel insurance policy online or by visiting the insurer’s office. While applying online, you need to fill in the basic details like dates of travel, traveler details, coverage required, etc. Then you receive the quote, based on which you can select the travel insurance policy that suits your requirement. There are different types of travel plans customized for different travel needs. These include corporate, single, family, senior citizen, or student travel plans. You can purchase a travel plan that suits you the best. You can also buy travel insurance plans from insurance brokers and agents. However, ensure that they are licensed by the Insurance Regulatory and Development Authority of India. It is worth noting that you may be eligible for discounts if you buy a travel insurance plan online directly from the insurer.

Why choose Niva Bupa Travel Insurance Policy?

Niva Bupa is one of the leading insurance providers in India, offering unique and comprehensive policies which cover the diverse needs of Indian travellers. With coverage for dozens of risks, Niva Bupa’s policies offer cashless claims for medical expenses and compensation for other covered incidents. With an expanding list of covered destinations, Niva Bupa ensures that your travels are safeguarded wherever you go. So buy travel insurance online from Niva Bupa and get the best coverage against numerous risks.

When to Buy Travel Insurance?

If you plan to embark on multiple trips, you should buy a travel plan in advance to cover all the upcoming trips. Even in the case of a single trip, buying a travel plan in advance is advisable. Typically, it could be on the date of booking the tickets or a few days after that. You can also buy travel plans at the last minute. But you may miss out on crucial coverages. For instance, travel insurance offers cancellation coverage. But you will miss out on the same if the cancellation happens before the policy start date. In other words, buy your travel insurance well in advance to avail all benefits.

Why Buy Travel Insurance Policy?

Some of the common reasons that make a travel insurance important are:

• People are more prone to medical problems in a foreign land, be it within India or overseas, due to changes in food habits and environmental reasons.
• Travel insurance helps tackle such circumstances with ease.It protects in case of baggage losses at airports and theft or travel scams in many tourist destinations.
• Travel insurance protects the policyholder in the event of flight delay or cancellation. It protects you in the event of natural calamities, man-made disasters, flight hijacking, etc. Student travelers can also opt for study interruption coverage in their travel plans.
• Travel insurance may cover fatalities and repatriation of mortal remains.
• Travel insurance is a mandatory requirement in more than 30 countries. It is a prerequisite for visa processing while travelling to these countries.

Who Should Buy a Travel Insurance Plan?

While it is mandatory to have travel insurance before visiting certain countries, people travelling to any country, in general, should buy a travel insurance plan. Along with, it is advisable for the following travelers to buy a travel insurance plan: Individual travelers and families Senior citizens - because of their higher medical susceptibility Corporate travelers can cover their travel risks while travelling on behalf of their organization Students can buy student-specific travel plans with longer validity People travelling in groups can insist on the purchase of travel insurance by their tour organizer Domestic travelers can buy travel plans designed to cover travel risks within the country

What’s Covered Under Niva Bupa's Travel Insurance?

Niva Bupa offers extensive coverage, protecting travellers from various risks they might be exposed to while travelling.

• Delay or loss of checked-in baggage This travel insurance coverage offers reimbursement for significant delay or loss of checked-in baggage.
• Missed connecting flight This coverage under travel insurance reimburses you for the extra accommodation and travel costs to reach the next destination if you miss a pre-booked connecting flight due to a late primary flight.
• Loss of Passport This coverage reimburses you for the cost of applying for a new passport if the original is lost.
• Dental Treatment This travel insurance coverage reimburses pain-relieving dental treatment under anaesthesia. However, this coverage is only applicable in cases of emergency, such as accidents and sudden acute pain.
• Trip delay, cancellation, interruption These three separate coverages offer reimbursement for part of the travel and accommodation costs if your travel is delayed, cancelled, or interrupted due to certain conditions mentioned in the policy document.
• Medical emergency (hospitalisation): This travel insurance coverage offers cashless claims and reimbursement for the cost of medical treatment.
• Emergency outpatient treatment This travel insurance covers and reimburses any emergency treatment under OPD
• Medical evacuation This coverage offers cashless claims and reimburses the cost of transferring patients from one hospital to another if the primary hospital does not provide appropriate care
• Emergency trip extension If the trip is extended due to certain exceptional circumstances, this coverage offers an extension of the policy up to $20,000
• Personal accident This coverage offers a payout of up to the benefit limit as per the selected plan for accidental death or disability.
• Repatriation of mortal remains This coverage reimburses you for the cost of transporting the mortal remains of the traveller or the cost of cremation in the city/country of death.

Niva Bupa offers these coverages bundled in curated plans for each country, offering specific coverage options. When considering these plans, remember that some covers may require specific criteria to claim them, so it is advised to properly read the policy document to understand whether you fulfil these criteria.

What’s Not Covered Under Niva Bupa's Travel Insurance?

Exclusions are specific risks and activities that an insurance provider does not cover. If a policyholder incurs a loss due to participating in such activities, their claim might be rejected. These exclusions are clearly stated under the travel insurance policy document and thus need to be considered when purchasing a policy. By considering these exclusions, travellers can accurately plan their journeys and take adequate measures to protect themselves from these risks. Here is a list of activities and risks which Niva Bupa does not cover.

• These include treatment for any injury or illness resulting from nuclear or radiological emissions, war or rebellion, and specific acts of terrorism.
• Active participation in military exercises, war games, or engagement with the enemy.
• Any loss or injury due to committing or attempting to breach the law with criminal intent
• Expenses for cosmetic or plastic surgery or any treatment to change appearance, including obesity or weight control programs. Unless in certain circumstances as listed in the policy document
• Maternity expenses
• Non-prescription or unproven drugs or treatments
• The provision of fitting of hearing aids, spectacles or contact lenses, including optometric therapy, any treatment, and associated expenses for alopecia, baldness, wigs, or toupees, medical supplies including elastic stockings, diabetic test strips, and similar products.
• If the insured person is travelling against the advice of a Doctor or is receiving or on a waiting list for specified medical treatment
• Death, injury, medical condition, or disability resulting from suicide or attempted suicide, self-inflicted wound or illness, consumption of alcohol or drugs, and depression.
• Countries with travel restrictions for Indians.
• Medical Tourism
• Damages due to adventure sports unless part of coverage
• Expenses related to any admission specifically for diagnostics and evaluation purposes that are not related or incidental to the current diagnosis and treatment.

However, remember that this list is just a summary of the exclusions, and the policyholder needs to refer to the policy document for the complete list. It is always vital to check the policy document before participating in an activity that can result in financial loss or harm policyholders’ well-being.

Features of Travel Insurance in India

The following are some of the features of Niva Bupa Travel Insurance:

• Extensive coverage- Plans under travel insurance cover a diverse range of risks. These risks include trip delay, interruption, cancellation, loss of checked-in baggage, medical emergencies, personal accidents, medical evacuation, etc
• Pre-existing disease coverage- Niva Bupa offers 100% pre-existing disease coverage for student travellers as an add-on, allowing them to study with peace of mind. Travellers with single-trip travel insurance policies are also covered for pre-existing diseases up to 5% of the total sum assured, up to a maximum of US $2500.
• No pre-policy check-up- Plans offered under TravelAssure require no pre-policy check-up, offering convenience and peace of mind.
• Simple and intuitive purchase process- Niva Bupa offers a simple and intuitive way to purchase policies directly from our website.
• Sum assured- Niva Bupa offers a total claim limit of up to US $500,000 for single-trip policies and student travel policies.
• COVID-19 coverage- TravelAssure plan comes with coverage against hospitalisation expenses resulting from COVID-19.
• Hassle-free claims process- Niva Bupa offers cashless claims for medical expenses and compensation for loss borne due to other covered risks.

Get the most value from TravelAssure

Extension of the Policy Period for a Single Trip Policy

In order to extend the policy, policyholders can apply for an extension by contacting Niva Bupa’s customer care center or online by paying their premium and submitting all the required documents. This must be done before the policy expires. Once our team has verified the information, they will grant permission for an extension. Customers can also extend the geographical coverage of their policy by paying an extra premium.

Contact Details for extending coverage

Niva Bupa Health Insurance Contact No: 1860-500-8888; Fax No.: 011-41743397 Customer Service Portal - Insta Assist (https://rules.nivabupa.com/customer-service/)

Types of Travel Insurance Plans in India

There are various types of travel insurance plans offered by insurers in India:

• Basic Travel Policy: These plans cover basic travel risks that most insurers provide. The premium amount is comparatively low due to the limited coverage.
• Comprehensive Travel Policy: Comprehensive plans offer a host of optional covers, like medical expenses or repatriation of mortal remains, many insurers may not provide. etc. Notably, Niva Bupa Travel Insurance offers over 40 travel-related covers, including the ones mentioned above.
• Single Trip: One-time travelers can buy this policy before or after booking their tickets. This policy remains applicable for the duration of that trip.
• Multi-trip: If the policy buyer has several trips planned for the year, they can opt for a multi-trip policy that offers coverage for a specific period instead of the trip duration. Frequent fliers opt for this plan to avoid buying plans repeatedly.
• Student: Students can buy a travel plan that offers coverage for the study duration. Covers like sponsor protection and study interruption can be opted for to make the plan more student-friendly.
• Policy buyers can opt for a single, family, group, or any other plan as per their requirements.

How to Claim Niva Bupa Travel Insurance

When faced with unexpected travel expenses due to emergencies, travellers need to get a simple and hassle-free claim experience. By following the given steps, travellers can request a claim with Niva Bupa:

• To file a travel insurance claim, you first need to contact your insurer, Niva Bupa.
• You may also contact the global third-party administrator if you are travelling overseas.
• No requirement for pre-policy medical check-ups.
• You can raise a claim for travel insurance online, through mail, or even physically. You can do so both while overseas or when you return to India.
• You must submit a duly filled claim form along with the required documents based on the type of claim—for example, loss of baggage, trip cancellation, medical emergency, or death.

Besides this, one can make two types of claims in the case of a medical emergency.

Niva Bupa is partnered with Europ Assistance, a global third-party administrator, to provide cashless claims to hospitals and healthcare centres worldwide.

• The customer intimates the claim to Europ Assistance via a toll-free number or email.
• The TPA - Europ Assistance will contact the customer and provide them with the required travel insurance details.
• Europ Assistance will then initiate the GOP (Guarantee of payment) process with the hospital where the customer will receive treatment.
• Europ Assistance will ask for the documents from the hospital or the customer and, after assessing the claim, will send them to Niva Bupa for approval/rejection/query/investigation.
• Our medical team will approve the claim by e-mail.
• The GOP will be released to the hospital as per the amount claimed.
• The hospital will contact the Europ Assistance team if any additional amount is required.
• At discharge, documents will be sent to Europ assistance and approved accordingly.
• After discharge, the hospital will send the documents to Europe Assistance for settlement to the hospital.
• 1. Claim form
• 3. Cancelled cheque of the proposer
• 4. Discharge summary
• 5. Final bill along with break up
• 6. Payment receipt
• 7. All investigation reports

Eligibility Criteria for Travel Insurance

The various eligibility criteria for Niva Bupa Health Insurance's TravelAssure plan include:

• Adults should be between the age of 18 and 70
• Dependent children can be up to the age of 25
• Travelers must possess and furnish mandatory documents like copies of passport, visa, income proof, and other relevant papers

Considerations Before Buying Travel Insurance Policy

Some of the factors that you need to consider before buying a travel insurance policy are:

• Duration: If you are planning to travel again, it is advisable to opt for a long duration multi-trip travel insurance plan. If your single trip is for a longer duration, the premium will be higher, so plan your trip accordingly.
• Nature of the Trip: Choose the plan as per the nature of your trip. Someone planning to do sky diving would have different optional covers compared to someone travelling to attend business meetings.
• Sum Assured: Estimate your travel risk and finalize your sum assured accordingly. The higher the sum assured, the higher will be the premium.
• Optional Covers: Go through the list of covers available and select judiciously. Selecting unnecessary covers will only escalate the premium.
• Exclusions: There may be specified circumstances or conditions where the travel insurance is not applicable. Always familiarize yourself with the exclusions before buying the travel plan.

COVID-19 Coverage

Due to the global scale of the COVID-19 pandemic, most leading insurance companies offer COVID-19 specific coverages in their travel plans. Niva Bupa TravelAssure provides COVID-19 hospitalisation coverage up to the sum assured. Accordingly, if you are infected or test positive for COVID-19 during your overseas stay, the travel insurance plan will bear the cost of your treatment and hospitalisation. In almost all countries, a COVID-19 infection leads to the applicability of strict isolation rules and gets addressed as per their SOP when detected. Therefore, adequate COVID-19 coverage can be handy in times of need.

Frequently Asked Questions

Does the niva bupa travel insurance policy have a free-look period, how does the claim process for niva bupa travel insurance work, when, where, and how to choose travel insurance plan, how to claim travel insurance, how to file for a claim for international travel insurance, how to calculate travel insurance premium, how to compare travel insurance premium, countries where travel insurance is necessary/mandatory, is it mandatory to buy travel insurance for visa, is a medical check-up necessary before buying this policy, how to extend international travel insurance policy, can you buy travel insurance after booking your trip, does travelassure plan provide coverage against covid 19, can i file a claim after getting back to india, can i buy insurance if i am going on a work permit abroad, is there any tax benfit that one can avail while purchasing travel insurance, what are the age criteria for which you issue a travel insurance policy online in india.

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