Travel Insurance

What is Travel Insurance?

Travel insurance is a type of insurance plan that protects you from risks related to domestic and international travel. The policy offers financial help and compensates you for personal losses during your travel.

A travel insurance policy offers complete protection and peace of mind while you travel.It provides cover against a wide range of situations. This can be flight delays or cancellations, lost luggage, stolen money, health emergencies, personal liability, etc.

Types of Travel Insurance

Individual & Family Travel Insurance

Individual travel insurance only covers individual travelers who travel alone or with friends. It is comprehensive and covers most travel-related risks, such as trip cancellations, loss of baggage, and medical emergencies.

A family travel insurance plan covers all your family members. You can cover every person from a new born baby to a 70-year-old senior citizen.

Domestic & International Travel Insurance

Domestic travel insurance plans provide coverage when you travel within BHARATH. Insurance coverage for trips, flights, baggage, and health emergencies.

International travel insurance which is also known as Oversea Medical Insurance provides coverage when you travel outside the BHARATH.

All these International plans cover flight delays & cancellations, loss of money & baggage, and health risks while traveling abroad.

Single Trip & Multiple Trip Insurance

A single-trip insurance plan covers a single trip from the point of departure until your return. It covers all the basic travel risks. You can customize the plan with add-on covers. Single-trip travel insurance plans are available for individuals and families.

Multi-trip insurance plans cover multiple trips during the year. These plans are ideal for people who travel at least 3-4 times during the year (E.g., business or corporate travelers). They provide the same benefits as the other travel insurance plans.

Who Should Buy Travel Insurance?

Individual Tourists

Individual tourists can purchase an individual travel insurance plan. A group of people traveling together can purchase group travel insurance. There may be limits on the maximum number of people covered under group insurance. It is best suited for professionally conducted tours.

Families

You can also buy travel insurance if you are traveling with your family. Every family member, from a new born infant to a senior citizen, will be covered. The upper age limit for senior citizens varies from one insurer to another.

Senior Citizens

Travel insurance companies also offer special plans for senior citizens above the age of 65. The upper age limit may be set at 85. These plans usually cost more than the regular ones.

Students

School or college students who go abroad for education trips or to pursue their higher education can buy travel insurance. These plans provide travel insurance and coverage for health.

Business Travelers

Companies can purchase travel insurance plans for their employees who travel abroad frequently for work. These plans provide all the basic benefits. Add-on covers are available for electronic gadgets and business documents.

Why Do You Need Travel Insurance

Coverage for delays & cancellations

Flight delays & cancellations are unavoidable at times. But they can ruin your entire trip and cause huge financial losses. Travel insurance coverage can help you cover this risk.

Coverage for personal belongings

You may end up losing your baggage, passport, documents, and money while you are traveling abroad. Buy travel insurance online and get complete protection against such losses.

Health coverage

Travel insurance also provides coverage if you meet with any medical emergency while traveling abroad. It covers the expenses of hospitalization, medicines, and evacuation for treatment. This ensures that you get immediate medical assistance in an emergency.

Personal liability coverage

Travel Insurance UAE covers the cost of any legal claims that can arise during your travel abroad. Legal fees and court fees are also covered.

Mandatory Requirement

Most countries have now made it compulsory for foreign travelers to possess travel insurance. So you need to have travel insurance before you apply for a tourist visa.

When is the Right Time to Buy Travel Insurance

The sooner you purchase travel insurance, the better. Get the travel insurance quotes and purchase a suitable plan once you begin the arrangements for the trip. In any case, it is suggested that you buy travel insurance within 14 days of making your flight reservations.

Benefits of Travel Insurance

Travel insurance covers the financial losses due to an abrupt change in the travel itinerary. This can be due to flight delays or cancellations, hotel booking cancellations, or health reasons.
Travel insurance covers the loss of personal belongings such as luggage, legal documents, money, etc. Any additional expense will be reimbursed by the travel insurance companies.
Medical coverage is one of the greatest benefits of buying travel insurance. This helps in providing emergency medical care for travelers abroad. Many insurance companies have networks of hospitals across the world to deliver cashless treatment.
Covid-19 coverage pays for the expenses of quarantine, testing, and treatment in foreign countries.
Personal liability insurance covers the cost of third-party claims in foreign countries. Any accidental loss or damage to somebody’s life or property will be covered.