Make Travel Your Healthiest Addiction
Travel insurance covers your expenses and depletion of finances linked with travelling. Be it a short or a long trip, be it business-related or leisure purpose, it’s of no doubt that your journey would be safe and happy. It is very useful protection especially when you travel abroad. It can offer a variety of covers if anything goes erroneous while you are on a trip.
The plans usually cover a range of things like business trips, educational trips and even vacations. Usually, most of the plans offer an affordable premium to the insured, most of which even starts at Rs.45/ day.
The major benefits include compensation for the loss or theft of your money/ passport, delay in baggage arrival or getting access to baggage already checked in, missed connection in flights, etc. They even offer medical or non-medical emergencies, assisting financial emergencies. Now there are travel insurance plans with Covid-19 hospitalization covers in place too. Travel insurance usually gets activated from the day of travel till the date the insured traveller reaches back to their home country.
Travel Insurance-What To Expect
India offers a wide range of plans for travelling peacefully within the home country as well as abroad. More than 200 countries and islands are covered by different companies within India. Some Insurance companies cover trips up to 1 year. The main attractions are Dental cover, Evacuation and deportation of the insured traveller. Companies also offer worldwide assistance all day all night through an emergency helpline, mobile apps etc. provided by the insurers.
Top Travel Insurance Providers In India
Some of the best Travel Insurance Plans in India offered by Top Insurance Companies are :
- Aditya Birla Travel Insurance
- Bajaj Allianz Travel Insurance
- Bharti AXA Travel Insurance
- Care Travel Insurance
- Reliance Travel Insurance
- ICICI Lombard Travel Insurance
- HDFC Ergo Travel Insurance
- Tata AIG Travel Insurance
Why Take A Travel insurance Policy
If you face any troubles during your trip, your travel insurance company will be the ones who will be able to help you out, hence you must choose a policy that has a comprehensive cover against the risks that you may face during travelling. We can get more detailed explanations from a lot of insurance aggregators but it is always wise to give it a thought and understand what you require from the travel insurance plans.
Many countries have made travel insurance mandatory for outsiders. Visa applications may even get rejected if you don’t have one. So it’s important to check the rules in the destination place about the requirement of travel insurance before packing your bags.
When To Buy A Travel Insurance Plan
If you are a travel lover, or maybe if you have a friend in another country, or you have an emergency business trip etc. you might not want to cancel them just because you don’t have travel insurance in place. Without a second thought, you can get one then.
There are mainly two types of Travel insurance plans which are Single-trip plan and multi-trip plan which has subtypes too. The Single plan covers the risks only for the period of travel duration whereas multi-trip plan covers long-duration journeys mostly up to 1 year and it’s cheaper so you don’t have to keep buying every time you travel.
It’s always important to read about the insurance company in-depth to understand their claim-settlement ratio as well as any limits/clauses they might have set to avoid any last-minute hassles while trying to claim for settlement because each company differs in what they might offer.
Exclusive Plans in India for Safe Travelling
The Most Important Plans Are Covid-19 Covers
Most insurance companies are now providing this plan due to the huge spread of the pandemic. There are a lot of restrictions when it comes to travelling these days after the pandemic started. The cover includes cancellation of a trip if you are diagnosed with the disease, and medical treatment expenses if you get the covid-19 while you are abroad.
Cover for Lost/Delayed Baggages
It’s a common issue in the airports of missing or delaying baggage from the airlines that you travelled. Some luggage may even get stolen as a worst-case scenario. The travel insurance policy will be of the most help in such cases. The costs of emergency personal expenses, medicines and a range of toiletries. In the same way, the policy would cover the cost of any other necessary items to be bought till you get your bag back in case of delay.
Medical Cover Plans
Any medical assistance during travelling or sudden diseases will be dealt with by the option of the medical plan in your travel insurance. This includes financial cover during hospitalization/accident when you are abroad. The policy will cover the costs of repatriation of your things back to India. Some medical plans cover the fees of the students during a sudden emergency medical situation/hospitalization.
Legal Cover
Travel insurance also provides legal help to get you a duplicate passport if you lose it under any circumstances. Also offers a flight delay cover by compensating for any additional costs you had to spend, in case your flight gets delayed for more than 12 days.
Optional Covers To Add-On
Apart from all listed above, you get to choose extra covers to add to your existing travel insurance policy. This is most required when you have International travel where you might want to explore a new place more. Some of the additional covers include:
- Adventure Sports Cover,
- Emergency Cash Provision In Case Of Theft Or Loss,
- Theft Or Fire Cover While You Are Travelling.
- Some Optional Covers, Cover Emergency Accommodation Expenses.
- Travelling Pregnant Women Also Get Cover For Protection For The Baby And Mother While Travelling.
- There Are Separate Covers for babies alone or children of minor age.
Best Travel Insurance Plans In India
People of all ages like children, adults or senior citizens travel every day so the needs too may vary. Keeping this in consideration there are a variety of covers offered by insurance companies in India. Some of them are listed below.
- Domestic Travel Insurance cover is for people travelling within India or the borders of India. It provides basic medical coverage, loss of baggage etc.
- International travel insurance includes covers for single people as well as families travelling abroad. This plan has a wide range of covers offered including hijack distress allowance as well.
- Family floater cover includes the family of the insured exclusively while travelling. This provides medical expenses, passport loss etc.
- Many insurance companies in India offer exclusive cover for Senior citizens while travelling. It protects people above the age of 60 from financial emergencies, dental expenses etc.
- Student-friendly covers are available for Indian students studying in a different country. The validity can be extended up to two years. It provides compassionate visits from the students’ families. It also includes sponsor protection.
- Some Indian travel insurance companies provide travel covers for tour groups such as Industrial visits, pilgrimage tours etc. within India as well as overseas.
- People who travel more than one time overseas can take up multi-trip travel covers which have the same level of benefits on each trip.
FAQs
- Under which travel cover can I claim if I get diagnosed with Covid-19?
You can raise a claim against Covid-19 under your international travel insurance policy. - Is it possible to claim for Covid-19 both under my health insurance plan as well as my travel insurance at the same time during my foreign trip?
No. You shall raise a claim against the Covid-19 only under one policy. If you are abroad it can be done on travel cover and if covid-19 is diagnosed while travelling within India you can claim it under your health insurance policy.