3 Important Covers Provided Under Travel Insurance

Travel insurance covers travel risks. It covers trip cancellation, baggage loss, medical expenditures, and other losses. For domestic or international travel losses.

Travel insurance

A travel insurance coverage is a general insurance policy. It protects against travel-related damage and expenditures. It benefits frequent domestic and international travellers. Travel insurance may protect against:

  • Personal belongings/baggage loss
  • Bag/personal property theft
  • Passport loss
  • Cancellation/delays
  • Accidents/Emergencies
  • Deceased insured
  • Insured’s disability
  • Hijack
  • Rescue
  • Disconnect/departure
  • Flight/hotel cancellation


Check the travel insurance policy for coverage. Additional hazards may be covered. Travel insurance programmes often cover additional risks for a fee. Some travel insurance policies are tailored to the traveller or destination.

Vacation insurance

Domestic and international travel insurance policies exist. Insurance companies usually offer single-trip travel insurance when scheduling a trip. Multiple-trip policies are available. Travel package sellers generally offer such policies. Insurance firms sometimes partner with ticketing businesses/websites/apps. Travel insurance types:

Single-trip travel insurance — Covers one trip only.

Multi-trip policy – Frequent travellers should get affordable travel insurance. It covers several journeys to selected destinations for a year or more. This helps regular fliers and businessmen.

Educational travel insurance policy – This policy benefits students on educational excursions, especially abroad. The tour normally lasts 30–45 days.

Group policy – Too many tourists can choose a group policy. Group insurance policies cover a maximum number. When groups from other countries travel, insurance companies generally provide such deals. If travelling in a group, it’s a cost-effective policy that relies on age.

Custom travel insurance

Insurance firms may offer customised coverage. For seniors or families. They can construct travel health insurance policies that cover medical costs substantially. Customised corporate policies can also benefit businesses.


As indicated, travel protection policies cover numerous costs and offer substantial benefits.

Luggage perks

This insurance may cover lost luggage, burglary, or theft. These policies may cover lost baggage, passports, essential documents, cash, or personal belongings. Emergency evacuations and other mishaps might also preserve luggage costs.


Travel insurance covers trip cancellations and delays. Weather, strikes, or other factors may cause cancellations/delays. They may also offer restrooms, clothing, and food. If you have travel insurance, you can get compensated for emergency trip cancellations or delays.

Medical benefits

The travel health insurance policy covers hospitalisation and medical costs. It may cover travel medical emergencies, illnesses, and injuries. Hospitalization, ambulance, and others could be covered. Insurance companies may arrange cashless hospitalisation at panelled facilities. Medical bills and hospitalisation can be reimbursed if the insured dies or becomes disabled.

Other benefits

Customised insurance for frequent travellers, organisations, and seniors are available. Because conventional travel insurance policies may not meet their coverage needs. Thus, some insurers offer customised trip protection policies.

The key travel insurance benefits are listed above. However, insurer policies govern these. Read the T&Cs. *


Policies exclude specific situations:

  • If drugs and alcohol cause you to injure yourself. Insurance won’t cover medical or luggage fees.
  • It covers medical bills but not Ayurvedic, homoeopathic, or cosmetic operations.
  • Pre-existing conditions may not be covered. Most insurers don’t cover HIV. Traveling against medical advice is also prohibited in most cases.
  • Self-harm, suicide, and adventure sports are not covered.
  • If you leave your passport, bags, or items unattended, there will be no coverage. The coverage may not cover bags shipped separately.
  • Uncovered/prohibited places are not covered; war-prone areas. For instance, a civil war or terrorist strike.


Travel insurance coverage and exclusions differ (what is not covered). They may have other benefits. Who is provided coverage also matters (individuals, groups, students, senior citizens). Read the policy, terms, and disclosures. Before you buy travel insurance online, compare plans from multiple providers. Comprehensive financial protection is best. Check the premium. Many sites let you compare and buy policies quickly.

* Standard T&C Apply

** Currently, there are 2 tax regimes in India – new and old. To get the tax benefit you desire, choose the correct one after consulting an expert. You can opt for a regime change during the next financial year.

# Visit the official website of IRDAI for further details.

## All savings are provided by the insurer as per the IRDAI-approved insurance plan. Standard T&C apply

Insurance is the subject matter of solicitation. For more details on benefits, exclusions,

limitations, terms, and conditions, please read the sales brochure/policy wording carefully

before concluding a sale.

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