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Imagine this scenario - you're on the verge of embarking on an exciting vacation. You've taken care of your travel visa, secured your tickets, booked your accommodations, and made all the necessary preparations. Upon arriving at your destination, you discover that your luggage is missing, or even worse, you've fallen victim to theft, leaving you stranded in a foreign country without your passport or any money. Handling such situations can be both costly and challenging, particularly when you're in a place where you don't speak the local language. This is precisely why travel insurance is of utmost importance.


Travel insurance serves as a guarantee that your journey is safeguarded and shielded against unexpected risks that can arise in unfamiliar territories. It is a distinct product that provides financial assistance in the event of unforeseen mishaps while you're on the move. Its coverage encompasses various scenarios, such as medical and dental emergencies, money theft, passport loss, flight cancellations, and misplaced or lost luggage.


Depending on your travel destination, the purpose of your trip, and your travel frequency, you can choose a travel insurance policy that aligns with your specific requirements. For occasional domestic or international travelers, a single-trip travel insurance plan is an ideal choice and can be purchased for both individuals and families; for more details, refer to our family travel insurance options. If you frequently travel for business or pleasure, a multi-trip travel insurance plan or an annual travel insurance plan may be more suitable. This way, you can avoid the hassle of applying for a new travel insurance policy before each trip. We also offer tailored travel insurance plans tailored to the unique needs of senior citizens and students who are going abroad for educational purposes. Regardless of your travel circumstances, we have a travel insurance policy to accommodate your needs.

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Baggage Coverage


Arriving at your destination without your personal belongings can be a distressing experience. We simplify the process with the following insurance options:


  • Delayed Baggage: Nearly everyone has encountered a situation where their luggage was sent to the wrong place or arrived late. If you have our travel insurance, you can relax. It will assist in covering the costs of necessary personal items until your luggage is returned to you.


  • Lost Baggage: Dealing with a delayed bag is one thing, but if your bag is lost or stolen, it can be a daunting situation. Fortunately, our travel insurance policy can help manage this issue by potentially reimbursing you for the contents of your lost luggage.


Journey Coverage


A delayed or canceled flight can disrupt your plans. While we can't make up for lost time, our coverage options can help with the financial aspects:


  • Lost Passport: Obtaining a new passport in a foreign country can be challenging. Our international travel insurance policy will assist with reasonable expenses related to obtaining a replacement passport.


  • Travel Assistance: When things go awry during your trip, you may require assistance. Our travel insurance plan provides necessary support, including legal aid, replacing lost luggage and passports, emergency travel services, cash transfers, and advances.


  • Personal Liability: Accidents can happen at any time, and if you're involved in an incident that causes harm or damage to someone else, it could lead to significant costs. Our travel insurance policy will help cover any liabilities for injury or property damage to third parties while you're traveling. It's important to note that this coverage does not extend to your family members or those residing with you.


  • Hijack Assistance: In the event of a flight hijacking, our travel insurance policy offers a distress allowance to help you during the ordeal.


  • Delayed Flights: Weather disruptions or local strikes might cause flight delays exceeding 12 hours, potentially requiring additional expenses like hotel accommodations. Our travel insurance policy will assist in covering these costs in the event of a flight delay.


  • Policy Extension: Your travel insurance coverage duration typically aligns with your trip length. However, if your flight is canceled or delayed for several days with no alternative travel options, our policy automatically extends coverage for an additional seven days.


  • Trip Curtailment or Cancellation: In cases of emergencies that necessitate the cancellation of your trip or an early return, our travel insurance plan will reimburse you for any non-refundable hotel and travel expenses.


Medical Coverage


Suffering an emergency medical situation while on vacation is a nightmare. Fortunately, our travel insurance plans offer comprehensive medical coverage, including protection for COVID-19*:


  • Medical Emergencies: Our travel insurance policy addresses the financial implications of accidents or illnesses during your travels. Coverage ranges from regular hospitalization for illnesses to dental emergencies and even fatalities. If you fall ill or have an accident toward the end of your trip, our policy continues to provide coverage for the next 60 days or until your discharge, whichever comes first.


  • Medical Evacuation: In case of a medical emergency requiring evacuation to the nearest hospital, our travel insurance policy covers the expenses. If you need to be brought back to India for medical treatment, our policy ensures that this is taken care of as well.


  • Accidental Death and Repatriation: While it's a grim thought, an accident or medical emergency abroad can lead to a fatal outcome. A travel insurance policy provides the full sum insured amount to the nominee in such cases and covers the cost of repatriating the insured individual's remains to their city of residence.


  • Compassionate Visit: If you need assistance while in the hospital, we offer a two-way ticket for a family member to come and take care of you.


  • Interruption of Study: If you hold a student travel insurance policy and must interrupt your education due to your illness or that of a family member, we will reimburse any unused tuition fees.



Q. What is international travel insurance?


A. International travel insurance is a policy designed to provide financial protection and assistance to travelers when they encounter unexpected events or emergencies while abroad. It typically covers a range of situations, including medical emergencies, trip cancellations or interruptions, lost or delayed baggage, and more.


Q. What does international travel insurance typically cover?


A. International travel insurance can cover a variety of situations, such as:

  • Emergency medical expenses
  • Trip cancellation or interruption
  • Lost or delayed baggage
  • Passport or travel document loss
  • Travel assistance services
  • Personal liability
  • Coverage for trip delays, including accommodation and meals
  • Accidental death and dismemberment
  • Emergency medical evacuation


Q. Do I need international travel insurance?


A. It's a good idea to have international travel insurance when traveling abroad, especially if you want to protect yourself from unexpected expenses and emergencies. It provides peace of mind and financial security in case something goes wrong during your trip.


Q. How do I choose the right international travel insurance policy?


A. When selecting a travel insurance policy, consider factors such as the destination, the length of your trip, your health, and the activities you plan to engage in. Compare policies from different providers and read the terms and conditions to ensure the coverage aligns with your needs.


Q. Can I buy international travel insurance for a one-way trip?


A. Yes, you can purchase international travel insurance for one-way trips. Many insurance providers offer policies for one-way travel, although coverage options may vary.


Q. Can I get international travel insurance if I have pre-existing medical conditions?


A. Some insurance companies offer coverage for pre-existing medical conditions, while others may not. It's essential to disclose any pre-existing conditions during the application process, and some policies may require an additional premium for this coverage.


Q. What should I do in case of a medical emergency while abroad?


A. In case of a medical emergency, contact your insurance provider immediately for assistance and instructions. They can help you find a suitable medical facility and guide you through the process.


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


A. To file a claim, you'll typically need to provide documentation, such as medical reports, receipts, and incident reports. Contact your insurance provider for specific instructions on how to initiate the claims process.


Q. Can I extend my international travel insurance if my trip is extended?


A. Some travel insurance policies allow for extensions if your trip is unexpectedly prolonged. Contact your insurance provider to inquire about extending your coverage.


Q. What if I need to cancel my trip? Will I be reimbursed?


A. The ability to get a refund for canceled trips depends on the terms of your travel insurance policy. Typically, trip cancellation coverage applies in specific situations like illness, injury, or unforeseen circumstances. Review your policy for details on cancellation coverage.