Travel Insurance Buying Guide
Travel Insurance: Safeguard yourself from the unforeseen troubles with the best travel insurance. Compare and select from a wide range of travel insurance plans at PolicyBazaar.
- Compare Travel Plans from Top Insurers
- Lowest Premium on Travel Insurance Plan
- Get Policy Online, Instantly
“The world is a book, and those who do not travel read only a page.”
Travelling is an important and regular event in everyone’s life whether it is for leisure or work. People are opting for adventure travels just for the sake of adventure or to spend some family time together. Travelling together creates memories which we cherish all through our life. Who won’t want to go on a vacation amidst scenic lands, pampered days and carefree moments - far away from hectic life! Well, how much we love travel we should not undermine the risks that it entails. Yes, travelling does have its own risks and probabilities of unforeseen situation distress.
Make your travel itinerary foolproof by adding travel insurance to it. A good travel insurance plan will take care of any unforeseen situation during transit. Situations like loss or theft of baggage, delay of flights leading to financial loss, loss of passport and other important documents and medical emergency are quite common. Travel around the globe without any worries with best travel insurance plans from top travel insurers. The best way to ensure that we can manage such an expected situation is to buy a travel insurance plan. PolicyBazaar will help you to compare insurance online & find cheap travel insurance at ease of one click.
Types of Travel Insurance Coverage:
You can choose which coverage to opt for on the basis of your specific requirement. Travel plans and policy offer coverage against all possible emergency situation during transit.
Domestic Travel Insurance
Domestic travel insurance is meant for customers who are travelling within the country. It provides coverage for medical emergencies, permanent disability and death, checked-in lost/stolen baggage, travel delay and personal liability.
International travel insurance offers protection from a number of contingencies for overseas travellers during international travel. It provides a comprehensive coverage for medical expenses overseas, hijack, baggage and travel delays, repatriations/evacuation to India, and loss of travel documents/passport besides the usual coverage.
Corporate Travel Insurance
Under corporate travel insurance India, employees of an organization can get coverage for both international and domestic trips.
Student Travel Insurance
Student Travel Insurance is a travel insurance policy designed for students travelling abroad on student visa to pursue higher studies. The policy covers students who are going colleges, universities or institutes in a foreign country for academic or professional courses. There is minimum paperwork involved in student plans. The coverage is comprehensive and provides for expenses incurred on medical treatment, passport loss, and study interruptions.
Senior Citizen Travel Insurance
Senior citizen insurance is for people who belong to the age group 61-70.It is a travel insurance policy aimed at senior citizens to make their travel a pleasant experience. It includes coverage for dental treatments and cashless hospitalization besides the usual benefits associated with travel insurance.
Family Travel Insurance
A family travel Insurance plan insures the entire family of the insured individual during travel from travel related emergencies. Family travel insurance covers hospitalization (travel medical insurance), baggage loss, and other incidental expenses. The claim disbursement is easy with minimal paperwork involved.
Individual Travel Insurance
As the name suggests, individual travel insurance is meant for a single individual covering him from travel related contingencies. Through individual insurance, you can get coverage against cancellation of trip, home burglary and trip curtailment.
Multi-Trip Travel Insurance
A multi-trip travel insurance is a type of travel insurance offering extended coverage usually for a year, specially designed for frequent fliers for multiple trips so that they don’t have to apply for insurance every time they travel.
Single Trip Insurance
This type of travel insurance provides coverage for the duration of a single trip. It takes care of medical (travel health insurance) and non-medical emergencies during travel including coverage for loss of checked-in baggage.
Key Features of Travel Insurance
Purchasing a travel insurance online is all about providing travellers an ideal cover against emergencies and unforeseen situations right from the comfort of home. There are certain key features which one should look out for while zeroing in on a plan.
- Travel medical insurance covers for in/out patient hospitalization along with daily allowance.
- Personal accidents cover in case of permanent disability/death.
- Coverage for contingencies related to personal possession.
- Coverage for loss of baggage and passport.
- Coverage for expenses related to trip delays.
Benefits of Travel Insurance
The usual qualms of frequent Travelers include lost passports, stolen bags, trip delay and cancelled flights. Such mishaps can derail perfectly laid out plans instantly. Do not let inevitable events ruin the entire getaway. Choose the best travel insurance as travelers insurance is your friend in need when emergency strikes, whether in your native country or in unknown territories. In a foreign land, get enough compensation to return home or cover untimely expenses as and when they occur!
There are some common exclusions to a travel insurance policy cover such as:
- Flights/trains missed due to local protests/civil war.
- Expenses incurred due to local protests/civil unrest.
- Pre-existing conditions leading to hospitalization.
- Baggage delay that is less than 24 hours.
- Damage/loss of keys.