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Travel Insurance


Europe attracts a lot of visitors from across the globe both from the perspective of tourism and business. Rich history, architecture, fashion and many other things which attracts lot of travelers to this continent, There are 50 countries which fall under the geographical periphery this large continent.

Quick facts while choosing Travel insurance for next Europe tour:

Travelling to a foreign land always comes its own challenges.
a) What if you fall ill?
b) What if you lost your connecting flight due to airline delay?
c) What if your baggage got stolen which even contained your passport?

There are many other challenges other than few mentioned which you might face will travelling to Europe alone or with your family but there are few points that you always should keep in mind:
1) The European continent which is a conglomeration of 50 odd nations is also further divided into two areas.. Euro Zone and the Schengen area. You might also find some of the countries which fall under both the areas so it becomes bit confusing while buying the right travel insurance so should keep this thing in mind
2) You can possibly choose two types of travel insurance policy options while travelling to the Europe. If you are individual traveler you should look at buying individual travel insurance but if you are travelling with your family then the preferred solution is a family policy which covers maximum number of adult travelers plus maximum four children travelers.
3) Always keep in mind that the children travelers of your family group should be in the age group of less than 21 years.
4) Your family insurance which covers all adult members and but do keep a check on the age group they fall into. Members above the age group of 70 don't qualify for them to be included in a family plan .A separate senior citizen travel insurance plan is specifically designed for them and are offered by many insurance companies .
5) Always keep in mind while taking travel insurance that are you just travelling for fun or for business and do you required to travel again in the coming 365 days. If you are frequent traveler to a specific are always try buying a multi trip policy so that not only out of the hassle of buying policies every time but also you can save a lot on the overall premium.
6) The case is very different for Students , if you are student who planning to travel to Europe to do your higher studies in one of best universities or colleges in the region then the regular travel plans don't suit your requirement
7) For students most of the universities have their own mandates for buying a travel insurance or rather than saying travel medical insurance policy. In a case like this you can opt for a separate student travel insurance policy. A Student plan can cover for a maximum period of 2 years whereas in a regular plan it can cover you for a maximum period of 365 days and then also divided into trips. Each trip should have a maximum period of 180 days which doesn't suites your requirement.
8) Please also make sure that you understand the exclusions under your plan which means things are not cover under you policy so it is very important to compare before you buying the plan.
9) Some exclusion which you should keep in mind are your existing medical disorders are never covered under your policy. If you end up having a personal liability while travelling because personal reasons which a believed to be unlawful, you travel insurance policy will not cover its litigation cost and there are also other exclusions which you should always keep in mind.
10) For availing claims do remember to inform your TPA as soon as the emergency happens so that you can get a valid claim and you can also enjoy cashless benefits which are already part of the policy.

Points important for individual travel insurance policy holders:

a) Eligibility :Anybody is eligible to apply for an individual travel insurance , it can start from age of minimum 3 months and to a maximum of 70 years .Individuals in the age above 70 to 100 can also apply but the specification changes in terms of coverage and features f the plan as applicable to senior citizens
b) Coverage of Pre-existing medical issues: Preexisting ailments are not generally not part of the coverage but the declaration of the same during the point of application is necessary. There is policy from some providers which has special mandates for covering pre-existing medical conditions.
c) Renewal or extension of the policy: Most of the individual travel insurance policies can be extended for a maximum of more 180 days from the date of expiry of the older term subject to no claimed been made earlier
d) Premium calculation: The premium that you pay for an individual travel insurance policy is subject to the destination of travel , coverage you have applied for, your age and duration of the trip or travel

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How To Find The Best Travel Insurance In 2018- Thing Keep In Mind Before Buying Any Plans

We think most people who at least travel internationally are quite aware of the benefits of buying a travel insurance plan. In fact people travelling to countries like United states and those part of the European union are quite acquainted with the fact that visa is only also issued to those if they have a have travel insurance policy in place. Emergencies like medical or theft of luggage or passport etc arising while travelling outside can sometimes become very painful. One should that their domestic health insurance plan becomes ineffective outside the border. On the other hand in case of theft of luggage and passport the situation can become more worrisome.

Though most travelers understand the benefits of having travel insurance plan but selecting the right one from the whole array of offerings from various insurers is a tough game to crack for a layman. Every plan has it own inclusions and exclusions and to judge them on the basis of cost benefit analysis associated with it is critical geek to comprehend.

So if you have plans to travel in 2018, check out common exclusions associated with any travel insurance plan for family or travel insurance plans for individual be it from any insurer based upon which one can judge a plan

  1. Pre-existing illness or health conditions: In case the person travelling is also succumb to certain health hazards and has a medical history around it. Insurer would generally reject a claim raised against it. A travel insurance plan would generally cover medical emergencies which are more incidental to the travel. Like the policyholder meets an accident during the period of travel, the medical hazards associated with it will be definitely covered under the travel insurance plan. Even case relating to pregnancy is also not covered under a travel plan.
  2. Dental treatments: Travel insurance don’t cover the regular dental check-ups which the traveler might have go through during the period of travel. In case of acute dental treatment which arose due to any accident during the period of travel is only covered.
  3. Any self inflicted damage is not covered: Any medical emergency arising during the period of travel due to committing of suicide or injuring happening due to mental breakdown is also excluded from the list of things which the travel insurance would cover.
  4.  Adventure sports: There are list of adventure sports like bungee jumping, trekking etc which already an inherent risk has associated with it are also excluded under a regular travel insurance plan. Policyholders looking to travel to attend adventures sport or related activities are also advised to take additional riders offered by few insurer for this purpose.
  5. Natural adversaries which arose before the date of travel:  In case one is travelling to a place which is already inflicted by the natural calamity like flood , volcanic eruptions etc way before the date of travel, travelers are generally advised to travel in those conditions as any emergency arising in those situation are not covered under a travel insurance plan.
  6. Travel for medical treatment: One should keep in mind if he/she is travelling a country for getting a medical treatment then the same will never be covered under the travel insurance plan. It is always advised to opt for international medical insurance plan though offered by very small number of insurers is the right option to look for.

Even though a lot of people are aware of all the above mentioned exclusions but there are always chances of one’s claim getting rejected by the insurer..People should remember that in case of incidental emergency during travel in domestic trips or outside Asia one should first report the same to the insurer and then try to keep every possible document & bills which ones’ feels is very important from the perspective of the incidental emergency so that can reduce the claim rejection rate.

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Buying Travel Insurance While Travelling Within The Country, Is It A Viable Decision To Make?

You might see this as checkbox in most travel websites which says “ Do Want to Add Travel Insurance to it ? “ even when you are booking a flight to a domestic destination or buying a domestic travel package.Though this might just add an extra hundred rupee currency note to the overall cost but people tend to uncheck the option.Plus since there is no regulatory mandate for buying a travel insurance policy for domestic travel similar to international travel , people tend to ignore it.

What discussed above might be a common phenomenon for all those who are reading this article right now but if we say that extra hundred rupees is worth of an investment to make. A domestic travel insurance in fact entails all the benefits which you enjoy in an international travel insurance plan but with a less cost.It serves the same purpose which your international policy would service. It covers most forms of financial losses expected during the period of travel.

Let’s try demystifying the benefits associated with domestic travel insurance plan which can help one understand the value around investing just few hundred of bucks into a travel insurance plan while making your next domestic trip.

Medical emergency cost borne: Like any other international travel insurance plan, your domestic travel policy can also compensate for accidental medical cost which may arise during the period of travel. You might argue that you already have a medical plan in place but this extra help by your travel plan can save much to medical plan benefits which otherwise can be used for more critical cases. 

Problems arising for lost or delayed baggage: This is something which a lot of Indians might find connection with.Theft during a journey of whatever nature  is something common to a lot of Indians.Financial losses might look very meagre in this case but ask the person who has faced a situation like this. You domestic travel insurance plan can give a quite relief in this case by compensating for financial losses happening due to an event like this.


Cover for trip cancellation: You might not get compensated for the missed flight here but there are always chances of your planned family trip getting cancelled due to unforeseen reasons. A lot of people might connect to a similar event which happened two years ago when lot of families across India might had to cancelled their planned trip to Uttaranchal trip because of unseasonal floods. An effective domestic insurance can become a real boon in this case.

Cover for third party expense: Though this is something new as a feature for the travel insurance industry.but recently a lot of insurance companies have started offering third party cover in their domestic travel insurance plan.This cover is quite similar to a third party cover offer under a car insurance policy. A lot of travellers might connect to the benefits associated with having this particular cover in one’s domestic travel policy especially they are travelling with children.

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Travel Insurance: Understanding Things Which Your Travel Plan Might Not Cover

Don’t take anything for granted whatever your insurance agent tells you , one should always make the diligent effort to understand what is written in the contract document entered between you and your insurer .A proper understanding of what is written in the insurance contract help you understand the rights and benefits which you enjoy. So it is very important to understand that reading terms and conditions of the policy document is an important job before deciding upon a particular insurer’s plan.


Over the year online travel insurance Plans have facilitated the process of buying travel insurance and now there are lot of ways through which you can compare travel plans from different insurers at one go and understand what is right or wrong for you. There are a lot of myths around what is covered and what is not under your travel plan, many things which we take as granted might even form part of the generic cover of your policy. Any policy which charges a higher premium doesn’t mean that everything is covered understand.


Here is a list of top five things which are not covered under your travel insurance plan:

  1. ANY PRE-EXISTING HEALTH CONDITIONS: Though in every travel plan there is an in-built health plan attached but the same doesn’t cover any health emergency arising during the phase of travel. Emergency situations arising during the period of travel which accident or the policyholder fall prey of disease during the phase of travel is only accounted and is suitable to be claimed from your insurer
  2. TRAVEL FOR MEDICAL TREATMENT: If one is travelling to another country with the objective of getting a medical treatment, the hazards associated with it is never covered under your travel insurance plan. Like travel insurance for USA & Canada
  3. COMPLICATION ARISING DUE TO PREGNANCY OR CHILDBIRTH: If a person is travelling during the state of being pregnant , the same is not covered your travel plan. So one is stay well planned for it One should always gets a proper health checkup before one travels during this stage. Hospitalization cost arising due to miscarriage or abortion is never covered a travel insurance plan.
  4. NATURAL ADVERSARIES RISING BEFORE A POLICY BUYING DECISIONS IS MADE:  We all know that a travel insurance plan covers all harm that arise in case of unknown natural calamity arises in the location of travel. But in case the government has already issued red alert for a location that you are travelling and then any unforeseen emergency arising out of it is never covered.
  5. ADVENTURE SPORTS AND ACTIVITIES: If you are traveling to a location to pursue adventure sports, one thing that somebody needs to keep in mind is any emergency arising from it is never covered under the basic travel insurance for individual . In most obvious cases the travel insurers prefers not to do it but if you still want to get a similar emergency covered it is always advised to take an add on cover as provided  by a lot of insurer.

One should be very proactive about the above mentioned things  and always take a an analytics view of the exclusions and inclusions .Plus when you raise a claim under travel insurance plan you should be clear about and always should evolved in proactively supply the insurer which proper document to process your request

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Facts About Travel Insurance Which Everybody Should Know

It’s not worth denying the fact the nothing can go wrong with you..Risk is associated with everything even if it is like staying back at home so why to deny the risk associated with travelling. While travelling in a foreign country the risk associated can increase drastically as you don’t know the people out there and have nobody to help in case of emergency. Another important thing to remember is that your domestic insurance is not going to work in a foreign country. In a state where you might require medical treatment or support the cost has to borne out of your own pocket because your domestic medical insurance plan will not come to your help and which is already mentioned in your policy document.

Most of the people have quite a lot of misconception of travel insurance. One of the most common is that the benefits associated with travel insurance start only after you start the journey. This is technically a big misconception. You should understand that travel insurance is meant to take care of any travel related emergency and compensate you with a claim if there is a financial loss. Even in case if you have to cancel your travel plans because of bad health conditions ,somebody closely connected to you getting hospitalized or even in case of situations like riot or any kind of social unrest or due to technical fault of your airline. In case of minor issues which may lead to your missing the flight because you reached late to the airport happening because of reasons which are not under your control. So it is not just that your travel insurance cover emergencies arising during the period of travel but also risk associated with pre-travel situations which can lead to cancellation of your travel plans. It is so advised to buy Individual travel insurance plan as soon as you paid money for your tickets.

Another important that should remember that if you have planned for some adventure sports as a part of your itinerary make sure that your travel insurance plan covers that. As there is an inherent risk associated with adventure sports mostly insurers avoid covering them. Even if your policy is covering them it has it own limitation. So if you have planned for an adventure sport you should preferably look at buying an add-on along with the basic policy. Though you might end up paying some extra but then you are fully insured.

Another quite unknown fact which policyholder generally doesn’t know is that your travel insurer also at times covers issues like theft which might happen in your house while you are out on travel. In fact most of the policies be it from any insurer they generally offer this type of cover. When you travel plan extends over a longer period of time this can be a good feature to look into as thefts and burglary are a common phenomenon now.

While deciding upon your travel policy you should always read through the terms and conditions of your policy in details and stay aware of what is covered and what is not .In some covers offered under a plan comes with their own limitation which should also be well thought off. Plus it is always advised that one should buy a travel plan by comparing it online and do an evaluation based upon every benefit the policy has offered. Online comparison of travel insurance can always help you to take an effective decision.

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Typical Myths About Travel Insurance Plans

People generally ignore buying a travel insurance plan because of certain myths about them. Though the cost might be quite low compared with total expense that would be actually incurred during the overall travel process but because of the ignorance you might end up paying a huge for it. Some of the common myths are:


1) Nothing can happen to you,  you might have 100 trips during your life and never faced with a problem but you can’t never ignore the fact the probability of happening something on 101th trip can be always high. An unforeseen event can at any point of time can ruin your travel plan and can lead you to fall in a situation which you have never handled. In case the emergency happens in a foreign land when you don’t have anybody known things can bring a lot of imbalance. A simple thing like theft of your passport can lead to lot of hassles. Getting it reissued through local embassy office can lead to huge expenditure which you never planned.

2) You are already covered in homeland so you don’t need an additional policy, this is just a common fallacy. Even if you a medical insurance in India the same is generally not valid in a foreign land unless otherwise stated in the contract. In certain geographies travel insurance is mandate which needs to be presented before the authorities before you enter those countries. Issues like flight delays, loss of baggage is a common phenomenon and at times the same can lead to unforeseen expenditure but if you have planned for your travel insurance well in advance the same can be claimed from the insurer.

3) Medical costs are cheaper in foreign countries, this is generally a false belief, it really cheaper for the local citizen out there but when you evaluate the same with respect to Indian rupee then it is very costly. You should you always keep in mind that your Indian medical policy holds invalid in a foreign land unless otherwise stated so in case of an medical emergency which might even admitting to hospital and long medication, your travel insurance plan can come to your relief.

4) Travel insurance is only necessary people who participate in adventure sports, surely if somebody’s itinerary includes participating in adventure sports that he/she is prone to higher amount of risk but that doesn't defy the point that you will never face an emergency. Even if somebody has plans to participate in an adventure sport activity during his/her travel he/she need to pre-inform the insurer about it and might have to take an additional add-cover specific to the event.

The above are common myths which people think are right and give of this ignore they generally abstain from buying a travel plan but that is not case. Emergencies you can’t predict so it is better to plan in advance so that you don’t end losing money which you never planned.


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Things You Might Miss About Your Travel Insurance Plans

The cost that you pay towards a travel insurance premium might seem very negligible compared to the whole price that you pay towards other things like commuting, lodging and fooding but the importance it has is very critical. Though people in most cases ignore the importance of the same but when faced with a critical emergency in  a foreign land then the real value of having a travel insurance is well understood. People generally miss out the importance because they don’t understand its real capability, a travel insurance plan technically covers fifteen types of financial risks, with each risk having its own terms and conditions.

Read also: What You Should Consider For Choosing Online Travel Insurance Policy?

When you try doing an online search for travel insurance you will generally find a whole array of benefits based upon which plans from various insurers can be compared.The benefits may vary significantly from one insurer to another. Because of this diversity of benefits offered under different plans we always miss out some key things. Some of the key things which policyholders miss and should always keep in mind are :


  1. The primary coverage given by travel insurance plans for individual are more related to hospitalization and generally insurance companies avoid giving cover for pre-existing ailments.Even if your insurer has a provision to cover pre-existing diseases make sure to make complete disclosure of every member’s current health status who are covered under the travel plan when you are buying a travel insurance policy..
  2. We all know that travel insurance mainly focus on the covering hospitalization expenses done during the period of travel but there are always certain limits on the the amount of cost that would be covered by the insurer.The limits vary as per the insurer. While medical sum insured under a travel plan may vary between USD 25000 to USD 500000 but the hospitalization benefits may be limited to just 25% of the total medical sum assured..
  3. Though this seems to be the most the common feature across all travel insurance plans offered by any insurer,i.e. Baggage cover which means the insurer would pay any for financial loss happening due loss of baggage or delay of baggage. The baggage covers also come with certain set of limits. The common of them which the policyholder should remember is that , only checked-in baggage is considered under any policy. The cover is not applicable for cabin baggages. Another important thing is that baggage if lost is covered only when the same happens during the flight to the foreign land and not applicable if the same happens while returning to India.
  4. Do keep in mind that , if your travel itinerary includes adventures sports then the same is not covered under a regular travel insurance plan. You always need to look at an additional cover for the same which is available with most of the insurers.
  5. Another important thing that a policyholder should remember is that if you travel plan includes a road trip ,one should remember that any third party liability arising out of it is not covered any travel insurance plans and it is always advised to take from the country you are travelling.

The above points mentioned should be always considered while doing a compare online travel insurance plans from various insurer otherwise you might always miss out to take the real benefits attached with your travel insurance policy.

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