Travel Insurance provides financial protection against unexpected events like trip cancellations, medical emergencies, lost baggage, flight delays, and more while traveling domestically or internationally. It is essential for both business and leisure travelers.

Key Features of Travel Insurance

1. Trip Cancellation Cover – Reimbursement for trip cancellations due to emergencies.
2. Medical Emergency Cover – Covers hospitalization, emergency medical evacuation, and accidental injuries.
3. Baggage Loss/Delay – Compensation for lost, stolen, or delayed baggage.
4. Flight Delay/Cancellation – Covers financial losses due to flight delays or missed connections.
5. Personal Liability Cover – Protects against third-party injury/property damage claims.
6. Hijack Distress Allowance – Provides financial compensation in case of hijacking.
7. Adventure Sports Cover (Optional) – Covers injuries from adventure activities (trekking, skiing, etc.).

Types of Travel Insurance in India

1. Domestic Travel Insurance – Covers trips within India.
2. International Travel Insurance – Covers medical and financial risks while traveling abroad.
3. Student Travel Insurance – Special coverage for students studying overseas.
4. Senior Citizen Travel Insurance – Tailored for travelers above 60 years with higher medical coverage.
5. Corporate Travel Insurance – For business travelers and frequent flyers.
6. Family Travel Insurance – Covers the entire family under a single policy.
7. Schengen Travel Insurance – Mandatory insurance for Schengen visa applicants.

How to Choose the Best Travel Insurance Plan?

1. Destination Coverage – Some plans exclude certain countries, so check the coverage.
2. Medical Benefits – Ensure COVID-19, hospitalization, and emergency evacuation are covered.
3. Baggage & Passport Loss – Check coverage limits for lost items.
4. Pre-Existing Disease Cover – Some insurers provide coverage with conditions.
5. Adventure Sports Cover – Essential for adventure travelers.
6. Claim Process & Support – Choose an insurer with a hassle-free claim process and 24/7 support.

Why Do You Need Travel Insurance?

1. Medical Emergencies Abroad: Hospitalization can be extremely expensive in countries like the USA, Canada, or Europe.
2. Trip Cancellations: Flight cancellations due to weather, strikes, or emergencies can lead to heavy losses.
3. Lost Baggage or Passport: Covers costs for reissuing documents or replacing lost items.
4. Flight Delays/Missed Connections: Ensures compensation for additional expenses.
5. Legal & Personal Liability: Protects against lawsuits in case of third-party damage.