What is Travel Insurance?

Travel insurance is insurance that is intended to cover medical expenses and financial (such as money invested in non-refundable pre-payments) and other losses incurred while travelling, either within one’s own country, or internationally. For example, Travel Insurance covers:

• Trip Cancellation/Interruption
• Medical emergency
• Events like delay or missed departure
• Delayed arrival or Loss of baggage
• Passport loss and legal expenses

and much more.

Who is eligible to avail this insurance?

Whether you are a first time flyer or a frequent flyer and are going on single trip or multiple, travel insurance can be taken by anyone. The type of traveller does not have any impact on anyone opting fro travel insurance.

What is covered by Travel Insurance?

The most common risks that are covered by travel insurance are:

• Medical expenses
• Emergency evacuation/repatriation
• Overseas funeral expenses
• Accidental death, injury or disablement benefit
• Cancellation
• Curtailment
• Delayed departure
• Loss, theft or damage to personal possessions and money (including travel documents)
• Delayed baggage (and emergency replacement of essential items)
• Legal assistance
• Personal liability and rental car damage excess

What is excluded in the coverage?

Medical expenses arising out of:

• Pre-existing conditions except in case of life-threatening situations
• Addiction to alcohol, drugs
• Mental disorder, anxiety, depression
• Venereal diseases
• Sexually transmitted diseases, AIDS, HIV
• Radiation, nuclear weapons induced
• Sporting activities
• Loss of passport in public place
• Expenses arising out of loss of valuables, money, securities, and tickets