Travel Insurance Travel insurance

TRAVEL INSURANCE

No one wants any spoilers while on a trip, hence, travel insurance is the key! Let us help you find the right travel insurance policy for you so that you can do your travelling without any stress!

Explore Advantages of Travel Insurance

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Travel insurance is a sort of insurance that protects you against the costs and risks of travelling. It's a good piece of insurance for individuals travelling locally or internationally.
According to a survey conducted by insurance company Battleface in 2021, about half of all Americans have been charged penalties or have had to bear the financial burden of losses when travelling without travel insurance.

Overseas emergency medical assistance

24 hour cover for medical evacuations, ambulances, funeral arrangements and more.
Overseas emergency medical and hospital costs

If you need to go to hospital suddenly because of injury or illness you’re covered for hospital stays, surgery, and emergency dental treatment.
Accommodation and travel expenses

If you’re sick or injured and can’t get home, travel insurance will cover your unforeseen additional accommodation and travel costs.
Family emergency

You’re covered for your unexpected travel expenses if a close relative, or the person you’re travelling with dies unexpectedly, or is disabled or injured and needs to be hospitalised.* Find out more about family emergencies here.
Cover for your travelling companion

If your travelling companion can no longer continue with their holiday because of injury or illness, any unforeseen accommodation or travel expenses would be reimbursed by travel insurance.
Resumption of journey

If you need to return home because of a death in the family, or severe sickness that requires a hospital stay and they are a close family member, your flights will be covered to get you home.*
Hospital cash allowance

An amount you’ll be given per day if you’re hospitalised for more than 2 days overseas.*
Accidental death

If you die within 12 months of your trip because of an injury you experienced during your holiday, a death payment is offered.
Permanent disability

If you lose your sight, or any of your limbs while on holiday, a disability payment will be paid to you for at least 12 months after you return home
Loss of income

If you're injured during your trip and can no longer work, you’ll be paid a loss of income benefit for a set period of time.
Credit Card fraud and replacement

You’ll be reimbursed for any costs to replace your credit cards, or for any fraudulent use, if they are lost or stolen on your trip.
Theft of cash, travellers cheques and travel documents

You’ll be reimbursed for any costs to replace your passport, travel documents or travellers cheques if they are lost or stolen on your trip. And if your cash is stolen - you’re covered.
Luggage, personal effects and delays

You’re covered if your things are lost or stolen during your trip. If your luggage is delayed more than 12 hours and you need to buy some clothes, travel insurance will reimburse these costs – in moderation. You can’t go buying a Gucci handbag and claim that on your travel insurance for example
Cancellation fees and lost deposits

You’re covered for any cancellation fees and lost deposits for your pre-paid travel arrangements if you cannot make your flights or planned accommodation due to circumstances out of your control such as sickness, injuries, strikes or natural disasters. Understand cancellation cover fully to know when you're covered. 15. Disruption of your journey
Disruption of your journey

If your flight is delayed for more than 6 hours, your food and any unforeseen accommodation you might need to pay for will be reimbursed.
Alternative transport

If you incur delay and cannot make a pre-planned event such as a wedding, funeral, conference or any pre-paid tour your alternative transport expenses will be paid for by your travel insurance
Personal liability

Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you.
Domestic Pets

If you’re delayed returning home from your holiday and have a dog or cat being looked after, travel insurance will cover the additional kennel or cattery fees. Also if your pet is injured while you’re away, your vets bills are covered too. How awesome is that?
Domestic services

Some insurers even offer housekeeping services if you’re injured or disabled when you return home.
Rental vehicle excess

If you hire a car on holiday and it’s stolen, or you have an accident, travel insurance will pay for the rental vehicle excess! Learn more about how to save on your car rental vehicle excess.

List Of Documents Required For Travel Insurance

Claim form

You might be required to fill an online or an offline claim for to initiate the claim settlement process from your side.
Policy document

Your travel insurance policy is the most crucial document. It might have a dedicated customer number or personal details that say that the policy is yours. This is the first thing that the insurance company will check in case of a claim. They will also crosscheck the issue faced with the coverage in your travel insurance policy. If the issue is covered, the claims team will initiate the inspection process. If not, then the claim shall be rejected.
Identification

Some insurance companies might ask you to submit some kind of identification document such as your passport copy or Aadhaar copy
Trip tickets

In case of international travel insurance, you might have to submit flight (other travel) tickets. Such kind of documentation comes in handy in case of claims related to trip delay, trip cancellation, etc
Cancellation

If there’s a trip cancellation related to a medical issue, the insurance company might need a doctor’s statement stating the same
Airport correspondence

Such type of documentation becomes crucial in case of baggage delay/loss. You need to get the appropriate correspondence from the airport authorities that verifies your claim.
FIR

A First Information Report (FIR) is required for claims related to theft of baggage. A detailed report needs to be fetched from the appropriate police officials
Loss of passport

If you lose your passport on your foreign trip, you need to submit a photocopy of the document along with the claim form.
Hospital bill

In case of an unfortunate event of an accident, you need to submit the relevant hospital bills. This is assuming you went for a reimbursement claim and not a cashless one.
Discharge card

In case you have a prolonged stay at a hospital, you need to submit a discharge card from the hospital where you were treated. Again, this is not applicable in case of cashless claims.