Travel Insurance

Travel Insurance is insurance that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while traveling, either internationally or domestically.

What is Travel Insurance?

Travel Insurance is kind of an insurance policy that covers a policyholder for certain incidents, such as loss of Flight, delay or cancellation, trip cancellation, checked baggage loss, loss of passport, including any emergency that may occur while traveling to a foreign country.

Compare & Buy Best Travel Insurance Policies in India

Travel Insurance Companies	Eligibility	Medical Checkup	Inclusions	Exclusions
SBI Travel Insurance	6 Months to 70 Years	Not required	• Accidental cover up to 10% of the coverage limit ($25K) • Personal liability cover up to 50% of the coverage limit (or $2,00,000) • Loss or passport, checked baggage, cover against hijack, etc.	• Claim filed by an individual who is part of Military, Airforce, or Navy. • Any claim arising in relation to a nuclear or civil war, or when traveling via an aircraft not licensed to carrying passengers. • Loss or injuries arising from mountain climbing, racing, or any professional sports. • Claims arising from any of the criminal acts.
TATA AIG Travel Insurance	Up to 70 years	N/A	• Accidental Death or Dismemberment • Delay or Loss of baggage, Personal liability, passport loss, hijack cash benefit, or trip delay or cancellation	• Traveling despite physician’s advice or for medical treatment • Claims arising from a pre-existing condition • Attempt to suicide, mental disorder, STD, depression • Claim arising from a war, life-threatening sports, etc.
Bajaj Allianz Travel Insurance	Up to 75 years of age	N/A	• Hospitalization expenses, loss of baggage, trip delay or cancellation • Emergency cash in foreign land	• Attempt to suicide due to mental disorder, drug or alcohol consumption • Treatment other than allopathy, pregnancy or childbirth, miscarriage, abortion • Loss or passport
HDFC ERGO Travel Insurance	6 Months to 70 Years	Not required until you're 70	• Emergency medical expenses • Dental expenses (if any) • Emergency hospital cash • Personal accident coverage • Flight delay, loss of checked baggage, passport • Flight hijack cover	• Attempt to suicide due to mental disorder, drug or alcohol consumption • Treatment other than allopathy, pregnancy or childbirth, miscarriage, abortion
Bharti AXA Travel Insurance	3 Months to 60 Years	N/A	• Expenses arising from emergency medical evacuation/death • Personal accident causing death or dismemberment • Loss or passport or other traveling documents • Flight delay/loss of checked baggage	• Any pre-existing medical condition • Expenses arising out of a cosmetic surgery unless due to an accident • Injuries arising from fatal sport activities, viz. bungee jumping etc. • Loss of baggage or passport unless reported within 24 hours of its occurrence • Partial loss of any item within the checked baggage is not covered.
Future Generali Travel Insurance	• 6 Months to 71 Years71 to 80 Years (Senior Citizen)	N/A	• Loss of checked baggage • Compensation for duplicate passport if lost • Personal accident causing death or permanent dismemberment	• Pre-existing medical conditions • Emergency arising out of consumption of alcohol or any other intoxicants • Self-inflicted acts causing bodily injuries • Medical emergency arising out of pregnancy, miscarriage, abortion, or during childbirth
IFFCO Tokio Travel Insurance	N/A	Not required until you’re 70	• Health care expenses are covered, including dental treatment • Daily hospital cash • Loss of passport • Personal accident • Personal liability • Loss of baggage • Flight delay	• Any existing condition leading to claims after policy commencement • Claim filed by an individual who is part of Military, Airforce, or Navy. • Claims arising from riots, terrorist activities etc. • Injuries caused indirectly due to radioactive, hazardous, ionizing acts etc.
Cholamandalam Travel Insurance	• 3 Months to 80 Years • 61 Years to 70 Years (Senior citizens)	Cholamandalam Travel Insurance Not required until you’re 65	• Medical emergency during the trip • Coverage for any illness or injury • Loss of checked baggage • Expenses incurred for obtaining a fresh passport • Coverage for hijack distress	Cholamandalam Travel Insurance : - • Pre-existing medical conditions • Injuries caused indirectly due to radioactive, hazardous, ionizing acts etc. • Injuries arising out of fatal sports activities
Apollo Munich Travel Insurance	• 6 Months to 70 Years	N/A	• Medical assistance • Loss of checked baggage • Hijack distress • Personal accident causing death or permanent dismemberment • Trip delay or cancellation • Expenses incurred for obtaining a fresh passport	• Sole purpose of journey is to avail medical treatment • Any claim arising in relation to a nuclear or civil war, revolution, invasion, riots, nuclear or radioactive contamination etc. • Medical emergency arising out of pregnancy or childbirth, miscarriage, abortion • Injuries arising out of fatal sports activities scuba diving, mountain climbing, parachuting etc.

Main Reasons Why You Should Buy Travel Insurance

If you want to have a comfortable and hassle-free trip, here are 10 reasons why you should buy travel plan.
If your flight is delayed, you get meal reimbursements.
If you lose your passport, you get quick assistance.
You get emergency medical help whenever you need.
When you cancel your trip, you don’t lose money.
Basic requirements are provided if luggage is lost.
In the case of a disaster, you get back home safely.
You can’t travel to some countries until you have travel holiday insurance.
You are immune to the travel company’s bankruptcy.
It makes your trip economic.
It gives maximum coverage at minimum cost.