Why Your Itinerary Is Incomplete Without Travel Insurance

Why Your Itinerary Is Incomplete Without Travel Insurance

Investing in travel insurance could be the difference between a good trip and a nightmarish one.


Travel is one of the most therapeutic human experiences, but it is not without an element of unpredictability. A lot can happen on a trip, right from lost luggage to unforeseen incidents. Travel Insurance helps prevent your travels (and things that happen during) from inducing stress.

What is Travel Insurance?

When it comes to travelling, be it for business or pleasure, travel insurance is synonymous with peace of mind. This is because a travel insurance policy allows you to insure your trip against losses arising from unforeseen incidents like hospitalization, loss of baggage or personal documents, unexpected hotel accommodation or accidents.

Features of Travel Insurance:

- Coverage for in/out patient hospitalization along with daily allowance.

- Personal accident 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.

Types of Travel Insurance Coverage:

There are different types of coverage available; choose the one that best suits your specific needs.

Domestic travel insurance

Domestic travel insurance provides coverage for medical emergencies, permanent disability and death, checked-in lost/stolen baggage, travel delay and personal liability.

International travel insurance

International travel insurance offers 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

Employees of an organization get coverage for both international and domestic trips.

Student travel insurance

The coverage provides for expenses incurred on medical treatment, passport loss and study interruptions. Minimum paperwork is involved.

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Senior citizen travel insurance

Senior citizen insurance is for people who belong to the age group 61-70. It includes coverage for dental treatments and cashless hospitalization besides the usual benefits associated with travel insurance.

Family travel insurance

It covers hospitalization, baggage loss and other incidental expenses. The claim disbursement is easy with minimal paperwork involved.

Individual travel insurance

Get coverage against cancellation of trip, home burglary and trip curtailment.

Benefits of Travel Insurance:

- You can buy a policy online and get instant policy issuance.
- No medical checkups are required to avail of a travel insurance policy

- You can avail the benefits of uncomplicated cashless hospitalization, in case of a claim while travelling.
- Inevitable events like lost passports, stolen bags, trip delays and cancelled flights will not ruin your entire trip.
- Get enough compensation to return home or cover untimely expenses as and when they occur.

Exclusions for Travel Insurance Coverage:

Here are some common mishaps/occurrences that are not covered by travel insurance:

- Flights/trains missed due to local protests/civil war.

- Expenses incurred due to local protests/civil unrest.

- Pre-existing conditions leading to hospitalization.

- Baggage delays lesser than 24 hours

- Damage/loss of keys.

Bear in mind that exclusions differ from plan to plan and it’s best to compare travel insurance quotes and get a plan with minimal exclusions.

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