Travel Insurance

Travel insurance may seem like an "Expense that can be avoided," but it is a guardian that ensures your trips are worry-free. At ACKO, we know that traveling is all about being open to the unknown, getting out of your comfort zone, and making memories that you will remember for the rest of your life.

However, every adventure has risks, and you never know what lies ahead. No worries—our travel insurance policy ensures your safety and security. So pack your bags with excitement and leave your worries behind because ACKO will handle everything.

Travel insurance is like a safety net that protects you from any unexpected risks that may come up during your journey. With trip insurance, you can enjoy your trip with peace of mind, knowing that if anything goes wrong, you're financially protected. Whether it's lost luggage, medical emergency, flight delay, or trip cancellation, travel insurance has got you covered. You can choose a travel insurance policy that suits your needs based on your destination, purpose, and how often you travel. 

Depending on the terms of your policy, there may be certain exclusions in your online travel insurance policy. This is why you must always read your policy document carefully to learn about not just the inclusions but the exclusions as well. Here are the situations usually not covered by ACKO’s online travel insurance policy.

Note: Please remember that the exclusions and inclusions are subject to the terms of your specific policy. Hence, you are advised to read each and every description mentioned in your policy document.

At ACKO, we've got you covered through every twist and turn of your journey, including COVID-19. If you're wondering about the extent of COVID-19 coverage, we've prepared a comprehensive list for your clarity. 

We've got you covered:

Buying travel medical insurance online from ACKO is very simple and easy. Just follow these steps:

Step 1: Head to our mobile app or visit our website at www.acko.com and hit “Travel”.

Step 2: Choose your travel destination, specify the start and end dates of your trip, and provide details about your fellow travelers.

Step 3: Modify the policy to suit your particular needs.

Step 4: Fill in your own information and that of any other passengers.

Step 5: An instant quote for your travel insurance plan will be generated. Make an online payment to obtain your travel insurance coverage without delay.

Really, it is that simple! When you purchase travel insurance coverage from ACKO, you can rest easy knowing that any unforeseen circumstances are covered.

Using ACKO to make a claim on your travel insurance policy could not be easier. Here are the easy steps you need to take to submit a claim:  

For Cashless Medical Cover: 

For Other Covers:

Here is a list of travel insurance claim documents you will most likely need. The exact list can vary on a case-by-case basis.

The premium is the amount you pay for a policy. Here are the most important variables that insurers use to determine your premium.

Note: Please note that these parameters are crucial to travel insurance premium calculations. These factors and the policyholder's coverage options determine the premium.

At ACKO, we prioritize your flexibility and convenience when it comes to your travel insurance plans. We understand that travel plans can change, and we offer you the option to modify your plan's details before the start of your insured trip. This way, you can ensure that your coverage aligns perfectly with your travel needs.

However, it's important to note that once your trip commences, we won't be able to accommodate any changes to the plan. So, we encourage you to review your travel details thoroughly and make any necessary adjustments beforehand.

Regarding plan extensions, ACKO makes it simple for you to extend your coverage if needed. You have the flexibility to extend your plan before its original term ends, allowing you to continue enjoying the protection and peace of mind that our insurance offers.

However, in the event that the plan's term ends without an extension, you will need to purchase a new plan from scratch. Starting afresh with a new plan ensures you have the most up-to-date coverage and benefits for your future travels.

Here are the key factors to consider when comparing best travel insurance online.

Sum insured

Pay close attention to the'sum insured,' the maximum amount of coverage, when comparing travel insurance quotes. This vital information ensures that you have the necessary financial security for the trip. For instance, some countries will not give you a visa unless you can prove you have adequate coverage with your travel insurance.

Range of coverage

It is important to compare the levels of protection offered by different policies when buying travel insurance. Think about what kinds of protections you might need on your trip and budget accordingly. In this way, you can ensure that you have adequate coverage for your trip that is specific to your needs.

Claim procedure

Look into the claim process to understand how difficult or easy it can be to raise a claim. The easier the claim process, the better. Also, consider the Turnaround Time (TAT) for claim settlement, as faster settlements can offer added peace of mind during your travels.

Claim settlement terms

Claims are settled based on the applicable terms and conditions. Before choosing a travel insurance policy, take the time to familiarize yourself with the terms and conditions governing claim settlements. Knowing these terms in advance ensures you're well-prepared and informed about how claims are processed.

Cashless Travel Insurance Plans

Last but not least, don't forget to check if the insurer offers cashless travel insurance, like ACKO does. Cashless travel medical insurance can provide added convenience and financial security during your trip.

To port travel insurance to ACKO, you typically have to cancel your existing travel insurance policy with your current insurance provider and purchase a new travel insurance policy from ACKO. Here are the general steps you can follow.

Step 1: Review your current travel insurance policy

Take a look at your existing travel insurance policy and check for the coverage details, policy period, and any applicable cancellation fees or conditions. Make sure you understand what you are getting from your current insurer.

Step 2: Check ACKO's Travel Insurance options

Visit ACKO's website or use the mobile app to explore the best travel insurance plans. Compare the coverage, features, exclusions, and pricing with your current policy to ensure ACKO's plan meets your needs.

Step 3: Calculate overlap and policy start date

Before proceeding with the porting process, ensure that there is no overlap between the existing policy and the new policy with ACKO. Decide on the start date of the new policy based on the cancellation date of your existing policy.

Step 4: Contact your current insurer

Reach out to your current insurance provider and inform them of your intention to cancel the existing travel insurance policy. Inquire about their cancellation process, any applicable fees, and the refund, if any, that you may be entitled to receive.

Step 5: Cancel your current policy

Follow your current insurer's cancellation process and complete the necessary formalities to cancel your existing travel insurance policy

Step 6: Purchase travel insurance from ACKO

Once your existing policy is successfully canceled, visit ACKO's website or app to purchase the travel insurance policy that suits your requirements. Follow the application process, provide the necessary details, and make the payment for the new policy.

Step 7: Policy documentation

After purchasing the new policy from ACKO, you will receive the policy documents and other relevant details via email or through the app. Review the policy documents carefully to ensure all the information is accurate.

Step 8: Customer support

If you face any challenges or have any questions during the porting process or while purchasing the new policy from ACKO, don't hesitate to reach out to our customer support team for assistance.

If you're planning to travel abroad, it's important to know that some countries require you to have travel insurance before you can enter. To help you out, take a look at the table below to see which countries require it.

Note: Please note that international travel insurance requirements may change over time. To ensure you have the most current information, check with the country’s embassy you plan to visit.

Certainly, there are several myths and misconceptions about travel insurance. Let's debunk some of the common ones:

1. Only the Weak Need Travel Insurance.

- Reality: Travel insurance covers more than just medical emergencies. It can protect you against unexpected trip cancellations, delays, lost luggage, and more.

2. Travel Insurance Is Costly.

- Reality: Travel insurance is actually very affordable, especially when compared to the cost of a normal trip. ACKO has budget-friendly basic travel insurance plans for Rs. 49 for 5 days, which is about Rs. 10 per day*.

3. Travel Insurance Claims Are Hard.

 - Reality: It’s very easy to file a claim with ACKO. Email us at [email protected] or leave a message at 01246174722 to submit a claim. Within 2–3 days, we will process and settle your claim.

4. Travel Insurance Covers Everything.

- Reality: Travel insurance policies have limitations and exclusions. It's crucial to read the policy details carefully and understand what is and isn't covered.

5. Travel Insurance Can be Bought Anytime.

  - Reality: Some benefits, like trip cancellation coverage, have time-sensitive requirements. You should get travel insurance as soon as possible after making your reservation. 

6. I Don't Need Insurance for Short Trips.  - Reality: Short trips can still face unexpected issues like flight delays, lost baggage, or medical emergencies. Travel insurance can provide peace of mind for any trip duration.

7. I Don’t Need Insurance for a Place I know.

 - Reality: Familiar destinations can still pose risks. Travel insurance can help with unforeseen events, like sudden illnesses or accidents, even when visiting places you've been before.

8. Travel Insurance Is Complicated.

 - Reality: Buying the best travel insurance is straightforward. Get the ACKO app or visit www.acko.com to get started. Click on "Travel" and fill in the required fields. Once payment is done, your policy document will be sent directly to your email.

9. Cheap Travel Insurance Policies are the Best.

 - Reality: Opting for the cheapest travel insurance policy may provide limited coverage. It's crucial to balance affordability with the level of protection you require.

Note: Please keep in mind that travel insurance protects your finances and gives you peace of mind while you travel. Choose a policy that meets your needs and read the terms and conditions to avoid surprises in the event of an emergency.

The following table lists key travel insurance terms.

Note: Please note that the specifics of these terms can vary between travel insurance providers and policies, so it's essential to thoroughly review the terms and conditions of your particular policy to understand the coverage and limitations.

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.

*₹10 per day - Baggage cover for Asia costs ₹49 for up to 5 days.