International travel insurance

International travel insurance comes loaded with a plethora of benefits that safeguard your journey, ensuring that nothing unexpected spoils your overseas adventure. Let’s unravel the bouquet of advantages that international travel insurance brings along:

1. Financial Protection:

It offers robust financial protection against unforeseen medical expenses, which can be exorbitant in foreign lands. It also provides cover against losses due to trip cancellations, baggage loss, or other unexpected occurrences, ensuring that your pockets are not drained unexpectedly.

2. Stress-free Travel:

Knowing that you are covered against potential risks and uncertainties, travel insurance allows you to travel stress-free. You can explore, experience, and enjoy your journey without constantly worrying about what could go wrong.

3. Global Assistance:

International travel insurance usually comes with 24/7 global assistance. Be it medical emergencies, loss of documents, or any other predicament; you have round-the-clock access to professional help and advice.

4. Comprehensive Coverage:

From medical emergencies, evacuation, and hospitalization to loss of baggage and travel delays, international travel insurance offers comprehensive coverage that ensures multiple aspects of your journey are safeguarded.

5. Flexibility:

Many international travel insurance plans offer the flexibility of choosing the coverage that best suits your travel needs, allowing for customization and the addition of various riders and benefits.

6. Legal Protection:

Travel insurance also provides legal coverage, protecting you against personal liabilities, legal expenses, and other legal aspects that you might face while traveling abroad.

7. Convenience:

The process of purchasing international travel insurance is quite simple and convenient. Online platforms enable you to easily explore, compare, and purchase policies, ensuring that you are well-prepared well before your journey commences.

Navigating through the essentials of international travel insurance, it becomes imperative to discern what precisely is enveloped within its protective umbrella. Here’s a breakdown of the multitude of aspects commonly covered:

1. Medical Coverage:

- Hospitalisation: Costs incurred due to sudden illness or accidents are covered.

- Medical Evacuation: Expenses related to transporting the insured to a medical facility.

2. Trip-Related Coverage:

- Trip Cancellation: Reimbursement for non-refundable payments if your trip is cancelled due to specific reasons.

- Trip Delay: Coverage for additional expenses due to delayed flights or other transportation.

3. Baggage and Personal Effects:

- Lost or Stolen Baggage: Compensation for lost or stolen baggage during your journey.

- Delayed Baggage: Coverage for essential purchases due to delayed baggage.

4. Personal Liabilities:

- Legal Liabilities: Financial protection against legal liabilities due to causing harm to a third party or their property.

- Bail Bonds: Financial assistance for bail bonds in case of legal problems.

5. Document Loss:

- Lost Passport: Financial support and assistance in getting a new or temporary passport.

- Other Document Loss: Coverage for other essential documents lost during the trip.

6. Emergency Assistance:

- 24/7 Global Assistance: Access to round-the-clock emergency services.

- Repatriation: Coverage for returning the insured’s remains to the home country.

7. Accommodation and Travel:

- Hotel Accommodation: Coverage for hotel expenses due to trip delays.

- Return of Minor Children: Expenses for returning minor children back home if the insured is hospitalised.

What is Not Covered by International Travel Insurance?

While international travel insurance plays a vital role in safeguarding your overseas journeys, it’s crucial to understand the exclusions, the aspects that are not embraced by the insurance shield. Here’s a glimpse of what typically remains outside the protective circumference of international travel insurance:

1. Pre-existing Medical Conditions:

Insurance policies usually exclude coverage for medical treatments related to pre-existing conditions unless expressly included in the policy. Having said that some insurers do cover for medical conditions and hence declaring appropriate medical conditions is important. Kindly note that no medical needs to be done for medical conditions, it's just based on your declaration while filling the form

2. Adventure Sports and Hazardous Activities:

Injuries or accidents resulting from participation in adventure sports or hazardous activities are generally not covered.

3. Self-inflicted Harm:

Injuries resulting from self-inflicted harm, suicide attempts, or any form of self-harm are not included in the coverage.

4. Alcohol or Drug Influence:

Accidents or injuries occurring under the influence of alcohol or drugs are typically not covered by the insurance policy.

5. War and Terrorism:

Insurance policies exclude coverage for injuries or damages caused due to war, terrorism, or related activities.

6. Unlawful Activities:

Any claim arising due to participation in unlawful or criminal activities is not entertained by insurance policies.

7. Travel Against Medical Advice:

Travelling against the advice of a medical practitioner or for obtaining medical treatment abroad is usually excluded.

8. Cosmetic Surgery:

Expenses related to cosmetic surgery or any form of aesthetic treatment are not covered unless necessary due to an accident.

9. Delay Due to Civil Disturbance:

Delays and cancellations caused due to strikes, riots, or civil disturbances are not covered by most policies.

10. Unannounced Pre-existing Epidemic or Pandemic:

Many policies do not cover losses due to epidemics or pandemics unless explicitly specified in the policy.

Why Should You Buy an International Travel Insurance Policy?

Embarking on an international journey is undoubtedly thrilling, but it also opens up a plethora of uncertainties and risks. Here’s why securing an international travel insurance policy should be a non-negotiable checkpoint on your travel itinerary:

1. Medical Emergencies:

Health misadventures don’t come with a warning. From minor ailments to severe emergencies, travel insurance assures that unexpected medical expenses don’t derail your travel plans or finances.

2. Baggage and Property Protection:

Lost or delayed baggage can be quite a hassle. Your insurance will have your back, covering the essentials, and ensuring that mishaps with personal belongings don’t mar your journey.

3. Trip Cancellations and Delays:

Flights can be delayed, and plans can change. An insurance policy cushions you against the financial impacts of unforeseen cancellations or delays.

4. Legal and Liability Cover:

Navigating legal waters in a foreign land can be daunting. Travel insurance assists with legal liabilities, providing necessary financial cover and peace of mind.

5. 24/7 Assistance:

Emergencies don’t clock in. With round-the-clock assistance, your travel insurance ensures that help is always at hand, regardless of the hour.

6. Wider Coverage:

From evacuation to repatriation, and from medical expenses to hotel accommodations, travel insurance offers an extensive range of coverages, making your trip more secure.

7. Financial Recovery:

Travel insurance aids in recovering the finances spent on prepaid, non-refundable costs, ensuring that unexpected changes don’t become financial burdens.

8. Safety Against Unforeseeable Events:

Be it natural disasters, terrorist attacks, or civil unrest, travel insurance acts as a safety net, protecting you against the unexpected.

9. Customisation:

You can tailor your policy according to your needs, destinations, and the nature of your trip, ensuring that the cover is as snug as it can be.

Reasons to Buy International Travel Insurance from InsuranceDekho

When it comes to purchasing international travel insurance, where you buy it from is as crucial as the insurance itself. InsuranceDekho emerges as a trustworthy and efficient platform that stands out for various reasons. Below are some compelling reasons why buying your international travel insurance from InsuranceDekho is a wise choice:

1. User-Friendly Platform:

- Easy Navigation: InsuranceDekho’s website is easy to navigate, ensuring that even those who are not tech-savvy can purchase insurance without any hassle.

- Streamlined Processes: Their processes are streamlined, ensuring quick and efficient policy issuance.

2. Wide Range of Options:

- Variety of Plans: InsuranceDekho offers a variety of plans catering to different needs, ensuring you find a policy that suits your requirements.

- Reputed Insurers: They collaborate with reputed insurance companies, ensuring that you receive quality services.

3. Expert Guidance:

- Professional Advice: InsuranceDekho provides expert guidance, helping you make a well-informed decision.

- Customer Support: Their dedicated customer support team is always ready to assist and guide you through your queries and concerns.

4. Comprehensive Information:

- Detailed Information: The platform offers comprehensive information regarding various policies, enabling you to make an informed choice.

- Transparency: InsuranceDekho maintains transparency in their dealings, ensuring there are no hidden costs or terms.

5. Customisation Opportunities:

- Tailor-Made Plans: InsuranceDekho offers the flexibility to customise your plan according to your specific travel needs.

- Add-on Selection: You can enhance your policy with a variety of add-on covers available.

6. Secure Transactions:

- Data Safety: InsuranceDekho ensures that your personal and transaction data remains secure.

- Reliable: The platform is reliable, ensuring that your purchasing process is safe and secure.

7. Convenient Renewals and Claims:

- Easy Renewals: The platform allows for easy policy renewals, ensuring continuity of your coverage.

- Guidance on Claims: InsuranceDekho provides guidance on the claim process, simplifying it for you in case of an unfortunate event.

8. Customer Reviews and Ratings:

- Customer Feedback: The platform allows you to see customer reviews and ratings, aiding you in making an informed decision.

- Credibility: The reviews and ratings add to the credibility of the insurance providers and the policies they offer.

How to Buy International Travel Insurance?

Securing the best travel insurance for international travel is a prudent way to safeguard your travels from unforeseen hitches. Here’s a simplified guide on procuring this travel ally, both online and offline:

Online Method:

The digital route offers a convenient and streamlined approach to purchasing international travel insurance. Here’s how:

1. Research and Compare:

- Browse various insurance providers' websites.

- Compare the coverage, benefits, and premiums of different policies to find one that suits your travel needs.

2. Choose Your Plan:

- Select a plan that aligns well with your travel itinerary, duration, and destinations.

3. Fill in the Details:

- Input necessary details such as travel dates, destinations, personal information, and medical history.

4. Get a Quote:

- Review the final quote, ensuring it aligns with your requirements and budget.

5. Make the Payment:

- Proceed to pay the premium through secure online payment options like net banking, credit/debit cards, or digital wallets.

6. Policy Issuance:

- Post-payment, the policy will be issued and sent to your registered email.

Offline Method:

For those who prefer a more traditional approach, here’s how to secure the policy offline:

1. Visit an Insurance Office or Agent:

- Approach an insurance company’s office or get in touch with an authorised insurance agent.

2. Discuss and Choose a Plan:

- Engage in a discussion, seeking guidance in choosing a plan that mirrors your travel needs.

3. Fill in the Physical Form:

- Complete the necessary paperwork, providing all essential details as requested.

4. Make the Payment:

- You can make the payment via cheque, demand draft, or other offline payment modes.

5. Receipt of the Policy:

- Once the payment is processed, you’ll receive a physical copy of the insurance policy.

Is COVID-19 Covered in International Travel Insurance from India?

The global landscape of travel has been radically transformed by the COVID-19 pandemic, prompting travel insurance providers to evolve and adapt their offerings. Let’s unravel whether international travel insurance now extends coverage to Covid-19-related incidents and what you should expect:

Inclusion of Covid-19 Coverage:

Many insurance providers have expanded their policies to include coverage against COVID-19-related medical expenses. This includes coverage for medical treatments, hospitalisation, and quarantine-related costs incurred due to a Covid-19 diagnosis during your international travels.

Scope of Coverage:

- Medical Treatment: The policy typically covers the medical costs associated with treating Covid-19.

- Emergency Medical Evacuation: Some policies might offer assistance in case emergency evacuation is necessary due to COVID-19.

- Trip Cancellation and Interruption: If the trip is cancelled or interrupted due to COVID-19-related issues, such as border closures or sudden lockdowns, the insurance might offer compensation.

What to Look For:

- Policy Terms and Conditions: Thoroughly review the policy’s terms to understand the full extent and limitations of the COVID-19 coverage.

- Geographical Limitations: Ensure that the policy covers COVID-19-related expenses in your intended travel destinations.

- Duration of Cover: Confirm that the coverage is applicable for the full duration of your trip.

Exclusions:

Certain exclusions might apply, such as:

- Pre-existing Conditions: COVID-19 coverage might not be extended if you were already diagnosed before the commencement of the policy.

- Travel Advisories: If you travel against government or medical advisories relating to COVID-19, the policy might not cover related claims.

While the inclusion of COVID-19 coverage in international travel insurance policies has become increasingly common, it is imperative to meticulously assess the scope and conditions of the coverage. Ensure that it aligns with your travel itinerary and offers comprehensive protection against potential COVID-19-related risks and expenses during your international adventures.

Things to Consider When Planning an International Trip

Embarking on an international journey is an exhilarating experience, filled with new cultures, cuisines, and landscapes waiting to be explored. However, meticulous planning is the cornerstone of a smooth and fulfilling travel experience. Here’s a roundup of essential considerations to anchor your international trip planning:

1. Passport and Visa:

- Ensure your passport is valid for at least six months beyond your return date.

- Investigate visa requirements for your destination and ensure you apply well in advance.

2. Travel Insurance:

- Opt for a comprehensive international travel insurance policy that covers medical emergencies, trip cancellations, lost luggage, and other unexpected events.

- Consider a policy that covers Covid-19 related incidents for added protection.

3. Vaccinations and Health:

- Research required or recommended vaccinations for your destination.

- Carry an adequate supply of personal medications and a basic first-aid kit.

4. Currency and Finances:

- Familiarise yourself with the currency of your destination and consider carrying some local currency for initial expenses.

- Inform your bank about your travel dates and destinations to avoid potential issues with your credit/debit cards.

5. Itinerary and Accommodations:

- Plan a flexible itinerary, including major attractions, local eateries, and areas to explore.

- Confirm your accommodation bookings, and save the contact details and addresses.

6. Local Culture and Laws:

- Learn about local customs, etiquette, and laws to show respect and avoid unintentional offences.

- Learn a few basic phrases in the local language, which can be immensely helpful.

7. Safety:

- Stay informed about the safety situation of your destination, including areas to avoid.

- Keep a list of emergency contacts, like the local embassy and emergency services.

8. Packing:

- Pack according to the climate, activities planned, and any cultural considerations.

- Don’t forget essentials like travel adaptors, chargers, and essential toiletries.

Precautions to Remember Before Travelling Abroad

Embarking on a journey beyond your country’s borders is a thrilling escapade, but it comes adorned with its own set of challenges and responsibilities. A dollop of caution, paired with proactive precautions, can set the stage for a seamless and enjoyable travel experience. Here’s a safety net of precautions to remember before you unlock the doors to international adventures:

1. Essential Document Copies:

- Copies and Backups: Keep copies of crucial documents such as passports, visas, travel insurance, and ID proofs. Having backups in digital formats is also highly recommended.

- Emergency Information: Maintain a list of emergency contacts, including the embassy, local emergency services, and contacts back home.

2. Health Considerations:

- Vaccinations: Stay updated with the necessary vaccinations and health advisories of your travel destination.

- Medical Kit: Equip yourself with a basic medical kit, inclusive of essential medicines and health accessories like masks and sanitizers.

3. Money Matters:

- Various Forms: Carry money in various forms – cash, credit/debit cards, and travel cards for financial flexibility.

- Secure Wallets: Utilise anti-theft wallets or pouches to keep your money and cards secure.

4. Cultural Respect and Sensitivity:

- Local Norms: Brush up on the local culture, traditions, and norms to interact respectfully with the locals.

- Appropriate Dress: Dress in a manner that is respectful of the local culture, and aligns with any dress code, especially at religious or cultural sites.

5. Safe Connectivity:

- VPN: Consider using a VPN to secure your internet connectivity while accessing public Wi-Fi networks.

- Data Protection: Be cautious while sharing personal information online, and avoid using public computers for sensitive transactions.

6. Informed Itinerary:

- Local Laws and Customs: Familiarise yourself with the local laws, customs, and regulations to navigate your destination smoothly.

- Updated Itinerary: Keep someone informed about your travel itinerary and stay reachable.

7. Adequate Research:

- Local Cuisine: Research the local cuisine, noting down dishes you'd like to try or those you want to avoid due to dietary restrictions.

- Places to Visit: Research your destination to mark out places you wish to visit, and those best avoided for safety reasons.

How to Extend International Travel Insurance?

Travel, by its inherent nature, is unpredictable. Itineraries might shift, flights might be delayed, or perhaps, the allure of your destination might coax you to extend your stay. In such cases, extending your international travel insurance becomes crucial to remain shielded against uncertainties. Here’s a guide to walk you through the process of extending your international travel insurance:

1. Contacting Your Insurer:

- Initiate Early: Don’t wait till the eleventh hour. Contact your insurance provider well in advance before the expiry of your existing policy.

- Customer Support: Reach out to the customer support team through email or a phone call to communicate your intent to extend the policy.

2. Policy Extension Request:

- Formal Request: You may have to fill out a policy extension request form. Ensure that all information is accurately provided.

- Reason for Extension: Clearly specify the reason for the extension, whether it is due to a change in travel plans, flight delays, or any other circumstance.

3. Assessment by the Insurer:

- Review: The insurer will review your application based on the details provided and the terms and conditions of the policy.

- Approval: The extension is subject to approval by the insurer based on their assessment and policy conditions.

4. Additional Premium:

- Premium Payment: An additional premium will be charged for the extension period.

- Payment Modes: The payment can usually be made online using various payment modes such as credit/debit cards or net banking.

5. Policy Document:

- New Policy Document: Upon successful completion of the extension process, a new policy document or endorsement will be issued confirming the extension.

- Review: Ensure you review the new policy document to confirm that the extension details are correctly recorded.

6. Terms and Conditions:

- Read Carefully: Familiarise yourself with the terms and conditions associated with the extension.

- Coverage: Make sure that the extended policy continues to offer the necessary coverage to meet your needs during the extended period.

How to File an International Travel Insurance Claim?

Filing a claim on your international travel insurance can seem like a daunting task, especially when you're in a foreign country and dealing with unexpected events. But worry not! Here’s a step-by-step guide to simplify the claim process for you:

1. Immediate Notification:

- Contact the Insurer: Inform the insurance company as soon as possible. Immediate notification helps in faster processing of claims.

- Helpline: Utilise the insurer’s helpline for guidance on the initial steps and documentation.

2. Document Collection:

- Collect Evidence: Gather all necessary documents such as medical bills, police reports, or any other relevant documents that support your claim.

- Organisation: Keep the documents organised to make the claim process smoother.

3. Claim Form:

- Completion: Fill in the claim form provided by the insurance company. Ensure that all details are accurately recorded.

- Supporting Documents: Attach all supporting documents required to substantiate your claim.

4. Submission:

- Method: The completed claim form along with necessary documents can usually be submitted online or sent through post to the insurance company.

- Confirmation: Ensure that you receive a confirmation from the insurer acknowledging the receipt of your claim.

5. Follow-Up:

- Tracking: Most insurance companies provide a facility to track the status of your claim online.

- Customer Support: Don’t hesitate to contact customer support for updates or clarification regarding your claim.

6. Claim Assessment:

- Review: The insurance company will review your claim and assess it based on the policy terms and conditions.

- Communication: Stay reachable, as the insurer might contact you for additional information or clarification.

7. Claim Settlement:

- Approval: Once approved, the claim amount will be disbursed as per the policy terms.

- Rejection: In case of rejection, seek clarification from the insurer regarding the reasons for denial.