Travel Insurance for UK from India
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The United Kingdom (UK) is a treasure trove of rich history, captivating culture, and breathtaking natural beauty. Whether you enjoy bustling city streets or quiet rural settings, this place has it all! While travel is exciting, it's also important to protect your finances from unexpected events while on your trip. That's why in this article, we have highlighted the importance of obtaining travel insurance for the UK from India.
Why do I need travel insurance for my UK trip?
Buying travel insurance to UK from India is crucial for the following reasons.
Monetary protection: On a trip, you may experience unfavourable events. Examples include flight delays/cancellations, medical emergencies, and theft. Purchasing travel insurance will protect you from the financial strain such mishaps might cause.
Emergency assistance: If you have a medical emergency while travelling, you may need quick medical assistance. In such cases, UK travel insurance from India will provide financial assistance.
Stress-free travel: You may be travelling abroad for work or pleasure. In any case, the last thing you want to happen while travelling is to be in a difficult financial situation. By getting travel insurance, you can travel without worrying about your finances.
Key features of the UK travel insurance policy
Here is a table that lists the key features of a UK travel insurance policy. For precise details, do check the applicable policy wordings.
Features | UK travel insurance benefits |
|---|---|
Flight delay/cancellation cover | In the event that your flight is postponed or cancelled, your travel insurance will provide compensation. |
Baggage delay/loss cover | If your luggage is misplaced or delayed during a flight, this policy will provide coverage. |
Loss of passport cover | A lost passport's replacement costs are covered by the policy. |
Loss of travel fund cover | If included, you can make a claim for financial assistance in the event that your travel funds are lost or stolen. |
Medical emergency cover | Your medical expenses while travelling will be covered by this feature. |
COVID-19 quarantine cover | If this feature is present, you can claim compensation for travel delay or cancellation due to COVID-19-related quarantines. |
Adventure sports cover | If this clause is included in your policy, adventure sports-related accidents will be covered for medical expenses. |
Accidental cover | Hospitalisation and daycare costs resulting from accidents are covered under this. |
Trip rescheduling/cancellation cover | If your trip is postponed because of an incident covered by the policy, you will be compensated as per the policy’s terms. |
Benefits of the UK travel insurance plan
In this section, we will go over some of the benefits of obtaining travel insurance form India to UK.
Simple claim procedure
You can buy travel insurance online and submit claims without having to deal with laborious paperwork.
Customisable plans
You can usually customise international travel insurance for UK according to your needs. Depending on the type of policy, you may be able to change the length of your trip, passenger count, and other details.
Flight and baggage coverage
If you lose your baggage or encounter a flight delay/cancellation, UK travel insurance will cover you. Depending on the type of policy, it may also cover other things like baggage delays and flight hijacking.
Travel assistance in an emergency
If you misplace your passport or other crucial papers while travelling to the UK, the cost of replacing such documents will be covered by your travel insurance for the UK.
Travel stress-free
The most important thing when travelling is enjoying yourself. Having financial protection against unforeseen events can help you do that.
What is covered?
What is not covered?
The following are some of the coverages you can expect from typical UK travel insurance from India.
Cancellation and rescheduling of travel
Having coverage for cancellations or rescheduling will help you protect your travel investment. However, this coverage will provide financial protection only for scenarios specified in the policy terms.
Expenses for medical care
In the UK, medical expenses are generally high. That is why it is a wise choice to get medical travel insurance for UK. This will ensure that in case you need medical treatment, you will be financially covered and won't have to worry about the cost.
Injuries related to adventure sports
It's advisable to have a travel insurance policy covering adventure sports if you're planning to participate in adventure sports during your trip to the UK. This way, if you sustain an injury, your insurance company can help cover the cost of treatment.
Compassionate visits
Being hospitalised in a foreign country can result in feelings of loneliness along with several other related operational challenges. In such a scenario, having a close family member for comfort and support can be crucial. To fulfil this need, a UK travel insurance policy can cover the costs of bringing someone from India to your location.
Death and repatriation
In the event of the insured's death during the trip, the insurance company will bear the related expenses. These can include costs for cremation, a post-mortem examination, and the transportation of the deceased individual's body.
Loss and delay of luggage
The airline may have misplaced or delayed your luggage after you checked it in. As per the terms of your policy, you can, in such cases, seek compensation for any monetary losses that result.
Personal liability
A travel insurance policy for the UK generally offers financial protection against third-party liabilities. This includes protection against causing accidental injury or death to someone else in the UK.
Trip cancellation due to COVID-19
A UK travel insurance policy provides monetary compensation in the case of trip cancellation caused by COVID-19-related issues. Coverage generally includes expenses such as rescheduling travel and extending stay for quarantine purposes.
Passport lost
Losing your passport during international travel can result in legal issues. To prevent such consequences, it's important to have a duplicate passport. A travel insurance policy from India to the UK will cover the cost of obtaining a replacement.
Tips for buying the best travel insurance for the UK from India online
Here are some pointers you can use to find and purchase the best travel insurance for the UK from India online.
Learn the claim procedure
Ensure you understand the claim procedure by clarifying it with the insurer before purchasing a travel policy for the UK. This will give you a clearer understanding of how to file a claim and help you make a more informed decision.
Customise coverage
Customise the coverage provided by UK travel insurance to meet your individual needs. This will guarantee the coverage you need and save you money on unnecessary financial protection.
Choose a reasonable sum insured
The sum insured is the maximum amount you can claim under a travel policy. So, while choosing this, think about how much coverage you'll need on your trip. By doing so, you can prevent running out of money in a foreign nation.
Things you should know before beginning your UK trip
Before beginning your trip to the UK, there are a few fun facts you should know! The UK is made up of four countries: England, Scotland, Wales, and Northern Ireland. The currency used is the Pound Sterling. London is the capital city and is home to famous landmarks such as Buckingham Palace, Big Ben (now called the Elizabeth Tower), and the London Eye. The UK is also known for its love of tea, fish and chips, and pub culture. While you're there, be sure to check out the neighbourhood pubs and sample some traditional cuisine.
Things you can’t miss!
Here are a few things you absolutely must do while visiting the UK.
Visit Buckingham Palace and witness the Changing of the Guard ceremony.
Explore the historic city of Bath and its famous Roman Baths.
Take a walk on the wild side in the Lake District and admire its stunning landscapes.
Marvel at the Gothic architecture of Westminster Abbey in London.
Try traditional fish and chips by the seaside in Brighton.
Climb to the top of St Paul's Cathedral for breathtaking views of London.
Visit the birthplace of William Shakespeare in Stratford-upon-Avon.
Take a tour of the Houses of Parliament and Big Ben (now known as the Elizabeth Tower).
Explore the mysterious Stonehenge in Wiltshire.
Taste authentic Scottish whiskey in Edinburgh, the capital of Scotland.
UK Visa for Indians
The following are the visa types available for Indians visiting the UK.
Visitor visas
Study visas
Work visas
Family visas
Business visas
Transit visas
Settlement visas
Indian Embassy’s location in the UK
In case of an emergency, you can get in touch with the Indian Embassy in the UK. The embassy's contact information is provided below.
Embassy | High Commission of India, London, United Kingdom |
|---|---|
Address | India House, Aldwych, London, WC2B 4NA |
Phone number | 00-44 (0) 20-78369147 |
Working hours | Monday to Friday from 10 a.m. to 5.30 p.m. |
List of international airports in UK
Here is a list of a few of the UK's international airports along with their locations.
Airport name | Location |
|---|---|
Birmingham International Airport | Birmingham |
Bournemouth International Airport | Bournemouth |
Bristol Airport | Bristol |
East Midlands Airport | Derby |
Exeter Airport | Exeter |
Leeds/bradford Airport | Leeds |
Liverpool John Lennon Airport | Liverpool |
London City Airport | London |
London Gatwick Airport | London |
London Heathrow Airport | London |
London Stansted Airport | London |
Newquay Cornwall Airport | Newquay |
Norwich International Airport | Norwich |
Ringway International Airport | Manchester |
Travel documents required to travel to UK
The following are some of the documents you require while travelling to the UK.
UK visa application form
Valid passport
2 photographs
Biometric information
Proof of accommodation
UK visa invitation letter (if applicable)
Frequently asked questions
The following are responses to frequently asked queries about travel insurance in the UK for Indians
Why do I need travel insurance while travelling to the UK?
You need travel insurance when travelling to the UK to financially protect yourself in the following situations.
Medical costs from illnesses, accidents, and other emergencies
Trip cancellation or delay
Stolen or misplaced luggage
Loss of passport or other travel documents
Who should consider getting travel insurance UK?
Anyone who is not a British citizen and is planning a trip to the UK really ought to look into getting some sort of travel insurance. It does not matter how long your trip is, this is a must.
How much does UK travel insurance cost?
Several variables, including age, health, length of trip, etc., affect how much you will pay for travel insurance when you visit the United Kingdom.
Is travel insurance mandatory for UK?
No, travel insurance is not mandatory for UK. However, given its benefits, it is a crucial consideration for travellers.
What happens if I get sick or injured while travelling in the UK?
If you get sick or injured while travelling in the UK, your travel insurance can cover the cost of medical treatment. Depending on the policy you have, you can either receive cashless hospitalization or pay upfront and claim reimbursement.
What if my trip gets canceled or postponed?
If your trip to the UK gets canceled or postponed due to unforeseen circumstances, your travel insurance can cover the cost of cancellations and changes. Please be aware, though, that the compensation is subject to the policy limit.
How do I make a claim on my travel insurance for United Kingdom?
To make a claim on your travel insurance, you'll need to follow the instructions provided by your insurance company. You may need to provide medical certificates, receipts, and other documents to support your claim.
Can I purchase travel insurance after I have already started my trip to the UK?
You can still buy travel insurance even if your trip has already begun. However, this is far from ideal.
Why do I need travel insurance while travelling to the UK?
You need travel insurance when travelling to the UK to financially protect yourself in the following situations.
Medical costs from illnesses, accidents, and other emergencies
Trip cancellation or delay
Stolen or misplaced luggage
Loss of passport or other travel documents
Who should consider getting travel insurance for a trip to the UK?
Anyone travelling to the UK should consider getting travel insurance. This is recommended regardless of the length of your trip.
How much does travel insurance for a trip to the UK cost?
The cost of travel insurance for a trip to the UK will depend on factors such as your age, medical history, length of the trip, etc. Depending on the degree of coverage, a policy may cost a few hundred to a few thousand rupees.
Is travel insurance mandatory for UK?
No, travel insurance is not mandatory for UK. However, given its benefits, it is a crucial consideration for travellers.
What happens if I get sick or injured while travelling in the UK?
If you get sick or injured while travelling in the UK, your travel insurance can cover the cost of medical treatment. Depending on the policy you have, you can either receive cashless hospitalisation or pay upfront and claim reimbursement.
What if my trip gets cancelled or postponed?
If your trip to the UK gets cancelled or postponed due to unforeseen circumstances, your travel insurance can cover the cost of cancellations and changes. Please be aware, though, that the compensation is subject to the policy limit.
How do I make a claim on my travel insurance for a trip to the UK?
To make a claim on your travel insurance, you'll need to follow the instructions provided by your insurance company. You may need to provide medical certificates, receipts, and other documents to support your claim.
Can I purchase travel insurance after I have already started my trip to the UK?
Yes, you can purchase travel insurance after you have already started your trip. However, it's best to purchase it before you leave.
Disclaimer: The plans, services, features, processes, and other details mentioned on this page are subject to availability and change. Baggage cover for up to 5 days in Asia is available for just ₹49 (inclusive of GST) for adults – that's around ₹10 per day. Remember, prices may change, so be sure to check the policy details before deciding. If you have questions, reach out to us at [email protected].
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