9 Types of Travel Insurance Coverage in India for a Stress-free Vacation

While thinking about or planning for a vacation, we all go head over heels, but in this rush of excitement, are we missing out on an essential thing like Travel Insurance? 

Yes, most of us do! Travel insurance is highly imperative as it covers the risks like medical emergencies, flight accidents, and offers compensation for lost baggage, flight delay, flight cancellation, lost passport, legal aid, personal accident, and any other untoward incident that may happen on a vacation or trip. With travel insurance in your hand, you can travel stress-free and every bit of your trip.

Here is a compilation of the types of Travel Insurance Plans in India. Scroll down to find out about all the diverse kinds of travel Insurances that you may pick from depending on your travel needs and purposes.

1. Domestic Travel Insurance

This travel insurance covers the insurance holder for trips that are within the legal boundaries of India. Most of such policies cover lost baggage, lost travel tickets, delay in flights/cancellation, theft of valuable items, sickness, permanent disability, death, legal aid, and third party damages incurred by you during a trip, which are covered under the name Personal Liability. Some insurance providers also provide this policy to foreigners working in India on work permits. People between 18 to 65 years of age are eligible for this policy.

2. International Travel Insurance

If you are traveling overseas for work or vacation, you must get yourself insured before taking the flight. The international travel insurance will give you life cover, cover for stolen/lost luggage, evacuation to India, cashless hospitalization, hijack risk, loss of documents like passport, ID’s, or tickets, and medical cover.

3. Luggage Insurance

All of us have heard a couple of stories from your friends and family members about luggage theft or total loss of baggage. Losing one’s luggage will cause distress and financial loss, but with luggage insurance, you can at least recover the monetary loss.

One must get luggage insurance beforehand, though it’s covered in other travel insurances like domestic or international travel insurance, but if you want you can buy luggage insurance separately. The insurance covers luggage theft, total baggage loss, damage to the belongings through fire or water, or during riot or strike.

4. Senior Citizen Travel Insurance

This insurance covers the travelers belonging to the age group of 61 to 70 years. Elderly people may have specific travel requirements or may need immediate medical attention anytime, hence getting them insured through travel insurance is a prerequisite. Most policies cover dental treatment, cashless hospitalization, medical expenditure of an existing illness, along with baggage loss, and flight delay/cancellation. 

5. Single Trip or Multi-Trip Insurance

Travel insurance comes with myriad options, and the best part about them is that you may get them for a single trip or may insure all your trips within a year by paying a higher premium. Multi-Trip insurance saves the policyholder from getting into the insurance application process every time before traveling within a stipulated time. Both the insurances cover medical and non-medical emergencies (theft and delay in flight).

6. Corporate Travel Insurance

Any medical emergency or any untoward incident will not wait for you to come back from your business tour! It can occur anytime, and insurance can help you deal with it without worrying about the expenses on foreign land or in an unknown city. The corporate travel policy generally covers baggage loss, dental expenses, medical expenses, legal liability, and personal accident cover.

7. Medical Travel Insurance

Travel Medical Insurance allows the insurance holder to access medical facilities on foreign land while traveling. The facilities that one may receive under this insurance are cashless hospitalization, dental treatment, and coverage for minor illnesses likes flu, exertion, or minor accidents.

8. Family Travel Insurance

If you always thought that taking your family for at least two vacations every year is your responsibility, then getting them insured is another! Yes, get your family covered in one insurance before heading out for the next vacation. The family insurance covers medical expenses, compensation in case of death or permanent disability, baggage loss, and cancellation of flights. Getting individual insurances for each family member will cause a hole in your pocket, and here comes a family insurance policy to the rescue.

9. Pregnancy Travel Insurance

If you have planned a luxurious babymoon to pamper yourself or if you are traveling for work or visiting your loved ones during your pregnancy, then you must not ignore the significance of Pregnancy Travel Insurance. With this, you can access immediate medical assistance with the best doctors, even when you are away from your home! 

All these policies offered by players like Aditya Birla Group Travel Insurance, Bajaj Allianz Travel Insurance, Tata AIGTravel Insurance, Bharti AXA Travel Insurance, Cholamandalam Travel Insurance, Reliance Travel Insurance, and SBI Travel Insurance come with different eligibility criteria, risk cover, benefits, and policy clauses. You must thoroughly read all the terms and conditions in advance before signing up for any travel insurance policy.

Travel Insurance is gradually gaining popularity in India courtesy of its medical and non-medical risk cover and numerous benefits. For more such interesting information related to travel and exclusive holiday packages, keep coming back to Adotrip.  

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