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When you feel that your everyday life is getting a bit monotonous, travelling to a foreign land can make you feel alive again. You get to explore new places and have fun along the way. But travelling is not just about where you go, but how you go there and the experiences you come across on that journey.
While we all want everything to go as planned on a trip, things can go wrong. You can come across bad experiences that may not only affect your physical and mental state but harm your financial condition as well. Hence, insuring your trip with International Travel Insurance is never a bad idea.
An International Travel Insurance plan protects you financially in situations like medical emergencies, losing checked-in baggage, missing a flight, and other crisis-like situations. Also, you can include add-ons such as accidental insurance, home insurance, loss of cash and more in your overseas travel insurance plan to further enhance the coverage.
A wide range of coverages is available under the International Travel Insurance plan. You can buy a plan for your solo trip or get your loved ones covered in a single policy while going on a family vacation. In fact, you can even customise coverage inclusions to buy a policy that will serve your specific needs on a foreign trip.
If you’re planning to travel abroad without a Travel Insurance Policy, have a look at these critical points.
Reports claim that airlines misplace around 28 million of baggage every year.
3 flights were hijacked in 2021 alone.
Cost of medical facilities and treatments can be up to 10 times higher in foreign countries.
Travellers are likely to lose their Passports, Credit/Debit Cards and even mobile phones.
You may miss your flight for some reason.
Many people become victims of travel scams on international trips, resulting in loss of travel funds.
In case you are wondering whether to buy foreign travel insurance or not, the following points will give your clarity.
You may be planning a trip to a country where travel insurance is mandatory for tourists. Some of these countries include Schengen Countries (26 European countries), the United Arab Emirates, the United States of America, etc.
The cost of medical treatments and consultation may be higher in a country you are planning to visit. So, having foreign travel insurance on an international trip makes sense to cover the costs of such medical intervention if required.
There is a chance of your baggage getting misplaced by the airline. A delay or loss of your luggage would increase your trip’s expenses. But you can protect yourself from this financial loss by starting your trip with an insurance plan that covers such losses.
Missing your flight or even delayed/denied boarding can cause financial loss. You may end up paying for new flight tickets, hotel bookings and other reservations. Thankfully, you can cover these costs by purchasing an International Travel Insurance plan.
In the unfortunate event of losing your travel funds, passport or other valuable belongings, you can rely on insurance coverage. An overseas trip insurance policy can offer reimbursements for the loss of valuable belongings.
In a nutshell, a foreign travel insurance plan with the right coverages can be your financial protective shield while travelling to foreign countries.
Have a look at the key features of International Travel Insurance you can benefit from.
International Travel Insurance benefits
Covers the cost of hospitalisation and daycare treatments required after an accident while travelling.
Medical emergency cover
Covers the expenses related to illness and other medical emergencies that require immediate hospitalisation as per the policy terms.
Adventure sports cover
Coverage for the hospitalisation cost after getting injured while participating in an adventure sport.
Flight delay/cancellation cover
Coverage against the delays and/or cancellation of a booked flight.
Baggage delay/loss cover
Coverage against the delay and/or loss of checked-in baggage while travelling.
Trip rescheduling/cancellation cover
Covers the loss and/or added expenses as a result of rescheduling or cancelling a trip due to a valid reason.
COVID-19 quarantine cover
Covers any unrecoverable expenses in case of trip cancellation due to COVID-19.
Loss of passport cover
Covers the cost involved in getting a duplicate passport after losing the original while travelling.
Loss of travel fund cover
Covers the loss, robbery, and/or theft of travel funds.
While travelling overseas, certain situations can drain your money. But buying a foreign travel insurance policy can save you from unwanted financial losses. Have a look at the following points to understand how overseas travel insurance can be beneficial for you.
Insurance companies provide travel coverage for almost all countries around the world. When buying a policy, you can pick one or more countries to cover your whole journey with a single insurance plan.
There’s no need for appointment booking or lengthy paperwork involved in the process of raising claims nowadays. In fact, several insurers offer almost instant claim settlement for certain claims such as trip cancellation, trip delay, etc.
You can inform your insurer about an emergency, such as the loss of travel funds, and receive immediate assistance. From digital platforms and mobile apps to customer care numbers, there are many ways you can obtain emergency assistance while travelling abroad.
Most International Travel Insurance policies include flight and baggage-related covers along with medical coverage. So, you can insure yourself against situations like loss/delay of checked-in baggage, flight cancellation/delay, flight hijack, etc.
You may not want to buy all the coverages available out there. And you might want a policy suitable for your age, destination, number of travellers and other parameters. Hence, you need to search for an insurance company that lets you customise your International Travel Insurance plan as per your needs.
Buying a Travel Insurance policy may be a mandatory requirement where you are planning to visit. Countries like Schengen countries, United Arab Emirates and others have made travel insurance compulsory for tourists. By buying an online policy, you get to fulfil this requirement easily.
When you are covered against all major potential adversities with a reliable policy, it makes your international trips worry-free.
No need to worry about paying anything from your pocket when filing a claim. Some of the insurers offer zero deductible features for travel insurance claim settlement.
Here are some of the major International Travel Insurance covers available with a travel insurance plan.
Medical emergencies can arise while you are travelling and cost a lot of money. In such situations, your foreign travel insurance policy can cover medical expenses related to an illness, accident, and any other life-threatening medical condition requiring hospitalisation or daycare treatment.
In case your flight gets delayed beyond a period, as mentioned in your policy, you will receive a reimbursement. Similarly, a reimbursement amount will be issued in case your pre-booked flight gets cancelled.
There is a possibility that an airline might misplace your checked-in luggage, which can cause a delay or lead to baggage loss. The right policy can cover you financially in such situations and provide reimbursements for the resulting costs.
It’s no news that international flights are really expensive. So, rescheduling or cancelling your flight tickets is costly. Trip rescheduling and trip cancellation covers can help you save money in such scenarios. The coverage takes away the financial burdens in case you reschedule or cancel your trip due to an unavoidable situation like COVID-19 quarantine, etc.
Certain destinations around the world are known for adventure sports. And, if you are a daredevil, you would want to try them out. In that case, you must choose a certified service provider to ensure your safety. Plus, purchase a travel insurance plan that covers adventure sports injuries.
What if you involuntarily cause third-party injury, death or property damage within your travel duration? Here, the personal liability coverage will take care of the resulting financial obligations.
The cost of travelling shouldn’t stop your family member from being by your side in case you are hospitalised in a foreign land. A compassionate visit cover can take care of the cost of travelling from your hometown to the place of hospitalisation.
In the unfortunate event of the insured person’s demise while travelling, this cover can look after the expenses related to their cremation and transportation of the mortal remains from the place of death to the family in India.
Your passport is probably the most important identification document when you are travelling abroad. So, you can’t afford to lose it. But, if it happens, then you will have to apply for a duplicate document to avoid legal complications. In such a situation, a passport loss cover will reimburse you for the money spent on a duplicate passport.
Travel scams have become pretty common in many tourist destinations. So, you need to be aware of the possibility of loss or theft of money while travelling abroad. If you lose your money, the travel fund loss cover can be helpful. You will obtain emergency funds as per your policy terms in such situations.
A COVID-19 positive report can restrict you from boarding flights due to quarantine restrictions. This can result in the loss of money on booking cancellations and extension of your hotel stays in a country. International Trip Insurance provides coverage against such unrecoverable costs based on the terms of your policy.
You can even include home insurance coverage in your travel insurance plan. This cover offers coverage against fire, burglary and other events while you are on an international trip.
Like all other policies, an International Travel Insurance plan also has some exclusions. Here is a list of some of the key exclusions of an overseas trip insurance policy.
The following are the major travel exclusions of International Travel Insurance coverage.
Not having a valid visa to visit a country.
Visiting a country for medical consultation or treatment.
Going on an international journey even when you’re medically unfit to travel.
Travelling even when your doctor advises against it.
The following are the major legal exclusions of an International Travel Insurance plan.
Self-inflicted injuries, suicide or attempted suicide.
Injuries, loss or damage directly or indirectly related to alcohol consumption, substance abuse, hallucinogen, etc.
Injuries, loss or damage while intentionally/unintentionally participating in criminal activities.
Injuries, loss or damage while participating in hazardous activities such as tunnelling, mining, etc.
The following are the major medical exclusions of an International Travel Insurance plan.
Pre-existing diseases and related complications as per policy terms.
A disability certificate issued by a Medical Professional who shares a family relation with the insured person.
Complications that may arise due to pregnancy and/or related medical treatments.
Note: Please read your policy document to get an exhaustive list of all the inclusions and exclusions of your plan.
To buy the best International Travel Insurance policy, you need to consider the following parameters.
The sum insured is the maximum amount you can receive as a claim settlement for a policy. While going through International Travel Insurance costs, assess if the sum insured will be enough to cover your financial losses in the most extreme emergencies. If not, then you will end up paying money from your pocket. For example, if you want accidental coverage in your travel insurance, the sum insured should be large enough to cover the costs in such a crisis.
When you compare International Travel Insurance plans, pay attention to the covers that align with your needs. You shouldn’t buy coverage that seems unnecessary to you. Ideally, it would be best to have the ability to customise a policy based on your unique travel needs.
You should be getting expert assistance and a digital mode of raising claim requests from anywhere in the world.
The following are the main documents required at the time of raising claim requests for an International Travel Insurance policy. However, there may be more documents needed depending on your claim.
Duly filled/signed claim form obtained from the insurance provider
Travel tickets of the insured traveller
Valid KYC-related document copies of the claimant or the nominee (PAN card, Passport, Driving Licence, etc.)
FIR’s attested copy (if applicable)
Proof of legal heir (if applicable)
Investigation and medical reports (wherever applicable)
Disability or death certificate’s attested copy (obtained from relevant authorities)
Details of the attending medical professional
Other documentation as applicable
Duly filled/signed claim form obtained from the insurance provider
Letter from the common carrier stating the reason and duration of delay/cancel
Property Irregularity Report (PIR)
Letter from the Airlines clearly accepting the total loss of baggage with compensation details
Proof of loss or inconvenience (obtained from a service provider or travel organiser)
Evidence of ownership of a stolen or lost property (like a payment receipt)
Other documentation as applicable
Here is a list of countries where Indian citizens are allowed to enter with a visa on arrival.
Maldives, Indonesia, Thailand, Jordan, Iraq, Bhutan, Timor-Leste, Nepal, Macau, and Laos
Kenya, Tanzania, Ethiopia, Togo, Mauritius, Cape Verde, Togo, Comoro Islands, Mozambique, Madagascar, Guinea-Bissau, Uganda, and Seychelles
Jamaica, British Virgin Islands, Trinidad and Tobago, Montserrat, St Kitt and Nevis, Nicaragua, Haiti, Grenada, Turks and Caicos, St Lucia, St Vincent and the Grenadines
Dominica, Bolivia, Ecuador, and Guyana
Samoa, Fiji, Cook Islands, Tuvalu, Cook Islands, Palau, Micronesia, Vanuatu, Niue, and El Salvador
International Travel Insurance plans are offered to Indian citizens travelling outside India. People of almost all age groups can obtain coverage. However, the exact criteria may differ from one insurer to another.
Yes, you can purchase International Travel Insurance to cover your leisure as well as business trips.
Yes, all Indians are required to produce a valid policy for International Travel Insurance in order to obtain a visa for one or more Schengen countries.
Yes, you can purchase International Travel Insurance after booking your flight. But you must do it before beginning your journey. Also, remember that the coverage will be for the events commencing within the policy period only.
No, you can include all the countries you are planning to cover in a single trip in one policy.
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and changes. Please check the applicable policy wordings before making any insurance-related decisions. Feel free to reach out to us at [email protected] for any queries.