If you are planning a foreign trip for either work or leisure, must opt for an International travel insurance policy and secure your trip.

During International travel, loss of check-in baggage is quite common. These situations can lead to additional expenses and make your travel budget go haywire. However, with the assurance of foreign travel insurance, you can spend your holidays without fretting over such mishappenings. Moreover, in case of loss of essential documents like a passport or theft or burglary, International travel insurance gives you the cover and security needed at such trying times.

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Who should buy International Travel Insurance Plans?

Students travelling abroad

Students enrolled in educational programs abroad should acquire international travel insurance. This not only encompasses medical costs but also extends support during emergencies, encompassing medical evacuation, repatriation of remains, and assistance with lost documents or belongings.

Expatriates

Individuals who have relocated to another country for work or permanent residence should possess international travel insurance. This provides health coverage, emergency medical assistance, and various benefits, assisting them in navigating healthcare systems and managing unexpected situations.

Senior citizens

Senior citizens intending to embark on international journeys should have foreign travel insurance that caters to their unique requirements. This insurance can offer coverage for age-related health concerns, pre-existing medical conditions, and unforeseen medical emergencies that may occur during the trip.

Adventure travellers

If you intend to partake in adventurous pursuits like hiking, skiing, scuba diving, or extreme sports on your international journey, the necessity of overseas travel insurance becomes heightened. It provides coverage for medical expenses arising from injuries sustained during such activities.

Business travellers

Individuals embarking on international travels for work-related reasons should secure international travel insurance. This coverage encompasses protection against trip cancellation, trip interruption, loss of business documents, and various unforeseen events that could potentially disrupt work plans.

Cruise passengers

Travelers setting sail on cruises should explore the option of acquiring dedicated cruise travel insurance. This type of insurance provides supplementary coverage for risks associated with cruises, including trip interruptions, missed connections, and emergency medical evacuations at sea.

Importance of International Travel Insurance

Travel insurance mandatory in certain countries

For certain countries, it is a prerequisite for travellers to secure travel insurance before planning a trip. Notable examples of such nations include Schengen countries (26 European nations), the United Arab Emirates, Australia, among others.

Offers Quality medical services even in abroad

The cost of medical treatments and consultation may be higher in a country you are planning to visit. Therefore, having cheap travel insurance abroad, on an international trip, makes sense to cover the costs of such medical intervention if required.

Saves you from bearing the cost of missing flight

Missing your flight or even delayed/denied boarding can cause financial loss. Resulting in paying for new flight tickets, hotel bookings and other reservations. Thankfully, you can cover these costs by purchasing an international flight travel insurance plan.

Emergency Support

International travel insurance provides assistance and emergency support services, ensuring help in unfamiliar situations. With access to helplines, multilingual representatives, and travel concierge services, you receive guidance, medical aid, and peace of mind during your trip abroad.

Loss of Passport/ money

In the event of losing essential items such as travel funds, passport, or other valuable belongings, you can depend on insurance coverage. A travel insurance policy can provide reimbursement for the loss of valuable items.

Affordable Travel Security

International travel insurance policies have different plans to meet individual requirements. Our travel insurance plans are tailor-made for every traveller. We offer affordable premiums that complement everyone’s travel budget.

Important facts to keep in mind while buying a Travel Insurance Plan

Coverage Limits and Exclusions:

Before selecting a plan, carefully review the coverage limits and exclusions. Ensure that the plan aligns with your travel needs and provides adequate protection.

Duration of Coverage:

Whether you are planning a short vacation or an extended stay, choose a plan that offers coverage for the entire duration of your trip.

Pre-existing Conditions:

If you have pre-existing medical conditions, disclose them during the application process to understand how they might affect coverage and premiums.

Get to know about International Travel Insurance Inclusions

Medical Expenses

Covers unexpected illness, accidental injuries, or death, your international health insurance will cover medical expenses faced abroad.

Loss of Baggage

Coverage offered if your plan has the benefits of international flight insurance and your airline damages or misplaces your baggage after checking in.

Trip Cancellation

It is one of the primary features of international travel insurance. The insurer will cover all the financial losses in case of trip cancellation.

Passport Loss Cover

International Travel Insurance also bears the Passport Loss Cover and helps in obtaining a fresh or duplicate passport.

Trip Delay

Any delay occurs in the commencement of the trip due to unforeseen emergencies like family member hospitalization or natural calamity etc.

Home Burglary Insurance

Bear the cost of loss occurred if your house burgled during your international trip.

International Travel Insurance Exclusions
  • If a passport loss complaint goes unregistered with the police authorities.
  • Non-disclosure of PED at the time of buying International Travel Insurance.
  • If your purpose of travelling abroad is to take medical treatment abroad.
  • If travelling against the recommendation of a healthcare provider.
  • If diagnosed with life-threatening diseases before you travel
  • Casualties or damages due to war or nuclear threats.

Bottom Line

In a world where travel uncertainties exist, international travel insurance is your steadfast companion, offering a safety net against the unexpected. Before embarking on your next international adventure, take the time to explore and choose a plan that suits your travel style and provides the coverage you need. With the right international travel insurance in place, you make yourself financially protected from the unforeseen twists and turns of travel. Safe travels!

Do not let unexpected expenses in a foreign country catch you off guard – having International or Overseas Travel Insurance can be your redeeming feature in times of crisis.

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FAQs on International Travel Insurance

How do I file a claim with my international travel insurance provider?

In case of a covered incident, contact your insurance provider promptly. Most insurers have a claims process that involves submitting relevant documentation, such as medical reports or receipts, to support your claim.

Is international travel insurance mandatory?

While it is not mandatory in all cases, some countries may require travellers to have proof of travel insurance for entry. Even when not mandatory, having international travel insurance is highly recommended to ensure a smoother and more secure travel experience.

Does international travel insurance cover pre-existing medical conditions?

Coverage for pre-existing medical conditions varies among insurance providers. Some policies may offer coverage or allow for optional add-ons, while others may have exclusions. It is crucial to disclose any pre-existing conditions during the application process.

How does the cost of international travel insurance vary?

The cost depends on factors such as the traveller’s age, destination, trip duration, coverage limits, and the type of coverage selected. Additional features, such as coverage for high-risk activities, may also influence the cost.

Why do I need international travel insurance?

International travel insurance is essential for safeguarding against unexpected events such as medical emergencies, trip cancellations, lost luggage, and other travel-related risks. It ensures that you have financial protection and support when facing challenges in a foreign country.