Most domestic health and travel protections don’t apply abroad. Travel insurance helps cover medical emergencies, cancellations, and travel-related disruptions that could cost thousands.

Not always, but some countries (e.g., Schengen Zone, Cuba, Russia) require proof of valid insurance with medical coverage for visa or entry.

Coverage usually includes:

• Emergency medical expenses
• Trip cancellation/interruption
• Medical evacuation and repatriation
• Lost or delayed baggage
• Flight delays
• Accidental death or injury

Many modern policies include COVID-19 coverage for treatment, trip cancellation due to illness, and quarantine costs—but always check your provider’s terms.

• Standard policies usually exclude pre-existing conditions. However, there are some specific plans to cover medical claims arising due to pre-existing medical conditions. The coverage under these plans is limited to the Sum Insured mentioned on the travel insurance certificates.

• Any Indian citizen with a valid Indian passport can purchase overseas Travel Assistance & Insurance. Foreign passport holders can also avail of the service, provided they present a residential permit, OCI, PIO or Indian income proof.

• You should buy it as soon as you book your trip. Early purchase maximizes your eligibility for benefits like trip cancellation coverage.

• No, insurers require you to purchase before departure.

• Yes, some insurers allow you to extend your policy before it expires. Approval depends on the insurer and your health status.

Many standard policies exclude risky activities like scuba diving, skydiving, or skiing. You may need to purchase an adventure sports rider for coverage.

• Not necessarily. Insurers do have a list of exclude countries, which gets updated on regular basis. Always check the list of covered destinations from the service providers.

• Typical documents include: Policy number, Receipts or proof of expenses incurred, medical reports (for health claims), Police reports (for theft or loss), Proof of trip disruption or delay and other documents as required by insurer.

• Yes, most policies reimburse costs for replacing a lost or stolen passport.

This covers transport to the nearest hospital or back home if local care isn’t adequate. Repatriation may also cover return of remains in case of death.

• Single-trip: Covers one journey from start to finish.
• Multi-trip (annual): Covers unlimited trips within a 12-month period, with a cap on trip duration (e.g., 30–90 days per trip).

• No. Travel insurance only covers unexpected or emergency medical care, not preventive treatments or elective procedures.

• Yes, the traveller need to check the insurer terms and conditions regarding the age limits.

• Consider:

  Your destination(s) and duration

  Medical coverage limits

  Whether you need coverage for pre-existing conditions or activities

  24/7 global assistance availability

  Customer reviews and claim reputation of the insurer