Travel Insurance

Travel Insurance: Your Ultimate Protection While Traveling

Traveling opens the door to new experiences, but it also comes with unforeseen risks such as medical emergencies, lost baggage, flight cancellations, or trip interruptions. Travel Insurance ensures you are financially protected against unexpected events during your domestic or international trips. Whether traveling for leisure, business, or studies, a comprehensive travel insurance policy offers peace of mind and helps you enjoy a worry-free journey.

What is Travel Insurance?

Travel insurance is a policy that provides financial coverage for unexpected expenses incurred before or during a trip. It safeguards travelers against medical emergencies, trip cancellations, lost baggage, passport loss, personal liabilities, and other travel-related risks.
Many countries require travel insurance as a mandatory document for visa approval. Having the right travel insurance plan ensures you are well-covered against emergencies and disruptions during your journey.

What Does a Travel Insurance Policy Cover?

Medical Coverage (Financial support for health emergencies while traveling)

Emergency Hospitalization: Covers in-patient and out-patient medical expenses. Accidental Injuries: Provides financial assistance for accidents requiring medical attention. Emergency Medical Evacuation: Covers the cost of air ambulance services for medical emergencies. Repatriation of Mortal Remains: Ensures transportation of the insured’s remains in case of an unfortunate event. Coverage for Pre-Existing Diseases: Available under certain policies if declared in advance.

Trip-Related Coverage (Protection against trip disruptions and delays)

Trip Cancellation & Curtailment: Compensation for non-refundable expenses due to trip cancellations. Missed Flight Connection: Covers additional travel and accommodation expenses. Flight Delay Compensation: Reimburses expenses due to prolonged delays in flight departure. Hotel Accommodation Extension: Covers extended stay expenses due to unexpected delays.

Loss & Theft Coverage (Financial aid in case of lost baggage or belongings)

Baggage Loss or Delay: Compensation for lost, delayed, or stolen luggage. Loss of Passport & Travel Documents: Covers expenses for reissuing a lost passport or important documents. Loss of Personal Belongings: Financial assistance for stolen wallets, phones, and valuables.

Personal Liability Coverage (Protection against legal claims during travel)

Legal Assistance: Covers legal expenses due to accidental damages caused to third parties.
Personal Liability Protection: Covers injury or property damage claims against the insured.

Emergency Assistance Services (24/7 travel support and help)

Emergency Cash Assistance: Provides financial aid in case of wallet theft or robbery. 24/7 Travel Assistance: Round-the-clock help for medical, legal, and travel-related emergencies. Lost Luggage Tracking: Assistance in recovering lost baggage from airlines.

Types of Travel Insurance Policies

Domestic Travel Insurance (For travel within India)

Covers medical emergencies, trip cancellations, and baggage loss while traveling within India. Protection against personal liabilities and accidental hospitalization. Ideal for business trips, vacations, or pilgrimages.

International Travel Insurance (For overseas trips)

Covers medical treatment abroad, including hospitalization expenses. Includes trip cancellations, baggage loss, and passport loss coverage. Provides emergency cash assistance and repatriation support.

Individual Travel Insurance (For solo travelers)

Covers single-person trips for leisure or business travel. Includes medical assistance, legal support, and trip disruption coverage.

Family Travel Insurance (For family vacations)

Covers the insured, spouse, children, and dependent parents under a single policy. Provides family-wide coverage for medical, baggage, and trip-related emergencies. Cost-effective and eliminates the need for multiple individual policies.

Student Travel Insurance (For students studying abroad)

Designed for students pursuing education in foreign universities. Covers medical expenses, study interruptions, and sponsor protection. Includes tuition fee reimbursement in case of unexpected trip interruptions.

Senior Citizen Travel Insurance (For travelers aged 60+ years)

Provides extensive health coverage for senior travelers. Covers pre-existing diseases, medical evacuation, and accidental injuries. Includes assistance for medical emergencies and repatriation.

Business Travel Insurance (For corporate travelers)

Covers business trip cancellations, flight delays, and loss of business documents. Provides emergency accommodation if the trip is extended due to unforeseen reasons. Includes coverage for important meetings and professional liabilities.

Add-On Covers for Enhanced Protection

Adventure Sports Cover

Covers injuries sustained while engaging in adventure sports like skiing, scuba diving, and trekking. Essential for adventure enthusiasts traveling to destinations with extreme sports activities

COVID-19 Coverage

Covers hospitalization and treatment costs due to COVID-19 infection. Includes quarantine expenses and trip cancellation coverage due to pandemic-related issues.

Political & Catastrophe Evacuation Cover

Provides coverage for emergency evacuation due to political unrest or natural disasters. Ensures safe relocation to the home country in extreme situations.

Hijack Distress Allowance

Compensation in case of flight hijacking for more than a specified period. Helps cover emergency expenses incurred during hijack situations.

Personal Accident Cover

Covers death or permanent disability due to an accident during travel. Provides financial support to the nominee in case of accidental death.

How to File a Travel Insurance Claim?

Medical Claim Process:

1.Inform your insurer immediately about the medical emergency. 2.Submit medical reports and bills from the treating hospital. 3.The insurer verifies the claim and reimburses the expenses.

 Trip Cancellation Claim Process:

1.Inform the insurance provider about trip cancellation. 2.Provide valid proof such as a doctor’s note, airline cancellation receipt, or other documents.

Lost Baggage or Passport Claim Process:

1.File a report with the airline or local police. 2.Submit the loss report to your insurer with receipts for essential purchases. 3.The insurer verifies and reimburses the expenses.

 Policy Duration

Consider the duration of your trip. Some policies are designed for short-term travel, while others cater to long-term or frequent travellers. Choose a policy that suits the length and frequency of your journeys.

 Destination-Specific Coverage

Certain regions may pose unique risks or require specific coverage. If you're traveling to remote areas, check if the travel insurance policy includes emergency evacuation. Some policies may exclude coverage in regions with travel advisories, so ensure your destination is covered.

 Pre-Existing Conditions

If you have pre-existing medical conditions, ensure that your travel insurance policy covers them. Some policies may have exclusions or offer coverage with additional premiums. Disclose all relevant information to avoid complications during claims.

 Compare Quotes

Obtain quotes from different insurance providers. Compare not just the cost but also the coverage limits, exclusions, and additional benefits. Look for value rather than opting for the cheapest option.

 Read Reviews

Customer reviews and testimonials can provide insights into the experiences of others with a particular insurance provider. Consider both positive and negative feedback to make an informed decision regarding the travel insurance plan.

 Check Claim Process

Understand the claim process of the insurance provider. A smooth and straightforward claims process is essential. Read the travel insurance policy documents to know what documents are required in case of a claim.

 Customer Support

Assess the customer support services of the insurance company. Access to 24/7 assistance, especially during emergencies, is crucial. A reliable customer support system adds to the overall convenience of the policy.

 Policy Exclusions

Carefully review the policy exclusions. Knowing what is not covered is as important as understanding what is covered. Be aware of specific circumstances or activities that may void your coverage.

 Policy Limits

Check for coverage limits for each category. Ensure that the limits are adequate for potential expenses. For instance, if you're carrying expensive equipment, verify the baggage loss limit.

By following these steps and conducting thorough research, you can shortlist a travel insurance policy that aligns with your travel plans, provides comprehensive coverage, and offers peace of mind throughout your journey.

Are There Ways To Save On Travel Insurance Premiums?

Travel insurance is essential for protecting your trip, but that doesn't mean you have to break the bank. Here are savvy ways to trim travel insurance premiums without compromising coverage.

Compare Quotes

Don't settle for the first quote you receive. Shop around and compare quotes from different providers. Online comparison tools make it easy to identify cost-effective options that suit your needs.

Opt for Basic Coverage

Evaluate your travel needs and choose a travel insurance policy that aligns with them. Opting for basic coverage without unnecessary add-ons can significantly reduce premiums. Tailor your plan to match your specific requirements.

Consider Annual Policies

If you're a frequent traveller, an annual policy might be more cost-effective than purchasing coverage for each trip individually. This approach can lead to substantial savings in the long run.

Increase Deductibles

Choosing a higher deductible often results in lower premiums. Assess your risk tolerance and financial capability to determine a deductible that strikes the right balance between savings and coverage.

Exclude Unnecessary Coverage

Review the policy details and exclude coverage for situations unlikely to affect your trip. For instance, if your credit card provides rental car insurance, there's no need for similar coverage in your travel insurance policy.

Book Early

Securing travel insurance early can result in lower premiums. Booking well in advance allows you to lock in rates and provides peace of mind with extended coverage against unforeseen events.

Group Plans

If travelling with family or a group, inquire about group discounts. Some insurers offer discounted rates for multiple travellers, making it a cost-effective option for families or friends embarking on a journey together.

Maintain Good Health

Your health directly affects premiums. Stay healthy and disclose accurate medical information to avoid unnecessary surcharges. Some insurers offer discounts for policyholders with a clean bill of health.

By implementing these strategies, travellers can enjoy comprehensive coverage while keeping travel insurance premiums within a budget-friendly range. Whether you're a frequent globetrotter or embarking on a one-time adventure, smart choices can lead to significant savings without compromising on protection.

Why Should You Compare & Buy Travel Insurance Online?

In an age dominated by digital convenience, the process of buying travel insurance has undergone a significant transformation. The traditional approach of visiting insurance offices or relying on agents has given way to the simplicity and efficiency of opting for travel insurance online. Here are compelling reasons why comparing and buying travel insurance online has become the preferred choice for savvy travellers.

Accessibility and Convenience

Online platforms provide unparalleled accessibility, allowing travellers to explore and purchase insurance policies at any time, from anywhere in the world. This convenience eliminates the need for physical visits to insurance offices, saving time and effort for individuals with busy schedules or those planning last-minute trips.

Comprehensive Comparison

Online platforms empower travellers with the ability to compare a wide array of travel insurance policies at their fingertips. With a few clicks, users can assess coverage options, policy features, and premium rates from multiple insurance providers. This comprehensive comparison ensures that individuals can make informed decisions tailored to their specific travel needs when they opt to buy travel insurance online.

Real-Time Quotes and Customization

One of the significant advantages of online platforms is the provision of real-time quotes. Travellers can instantly receive quotes based on their input, allowing them to gauge the cost-effectiveness of various policies. Additionally, online platforms often offer customisation features, enabling travellers to adjust coverage limits, deductibles, and other policy details to align with their preferences and budget.

Transparent Information

Online platforms prioritise transparency, providing detailed information about policy terms, conditions, and exclusions. Travellers can review travel insurance policy documents, understand coverage inclusions and limitations, and make informed choices. This transparency builds trust and confidence in the selected insurance plan.

Customer Reviews and Ratings

Travellers can benefit from the experiences of others by accessing customer reviews and ratings on online platforms. This valuable insight into the real-world experiences of fellow travellers’ aids in assessing the reliability and efficiency of insurance providers. It also helps individuals choose insurers with a proven track record of customer satisfaction.

Instant Policy Issuance:

Gone are the days of waiting for travel insurance policy documents to arrive by mail. Online platforms facilitate instant policy issuance. Upon completing the purchase, travellers can receive electronic copies of their insurance policies immediately, allowing for swift and hassle-free documentation for visa applications or other travel-related requirements.

Cost Savings

Online platforms often feature exclusive discounts and promotional offers. By comparing options online, travellers can capitalize on cost savings that may not be available through traditional channels. These savings contribute to a more budget-friendly travel insurance experience.

In conclusion, the shift towards comparing and buying travel insurance online is driven by the undeniable advantages of accessibility, comprehensive comparison, transparency, and cost savings. For modern travellers seeking efficiency and reliability, the online landscape provides a seamless and user-friendly experience, ensuring that the journey begins with the right level of protection.

Read more about: Compare Travel Insurance

Buy Travel Insurance Online from Caringly Yours Mobile:

 - Step 1:
Download the Caringly Yours Mobile App and use your login credentials to access the application.

- Step 2:
Select the travel insurance option, providing necessary details including your name, date of birth, travel specifics, dates, and pin code.

- Step 3:
Allow the application to process your information, receiving comprehensive insurance quotes directly on your phone.

- Step 4:
Choose the plan aligning with your travel itinerary, optionally include add-ons, and proceed to make the payment.

- Step 5:
Finalise the plan selection, include preferred add-ons, and complete the payment process.

- Step 6:
Await confirmation receipts and insurance documents, promptly delivered to your designated email address.

Whether through the official website or the Caringly Yours Mobile App, Insurya Consulting ensures a user-friendly and efficient process to secure your travels with the utmost convenience and peace of mind.

Understanding the Claim Procedure for Travel Insurance Plans

Understanding the travel insurance claim procedure is crucial for international travellers. Insurya Consulting offers three distinct claim procedures, ensuring a seamless process for policyholders.

1.    Cashless Travel Insurance Claim

Applicable for overseas hospitalization expenses exceeding USD 500, the cashless claim process involves:

- Online Document Submission:
Initiate the process by submitting required documents online for verification.
 - Payment Guarantee Letter:
Upon claim document verification payment Guarantee letter to be released to the hospital .
- Completing Formalities:
In case of missing information, complete the necessary formalities for a smooth claim process.

2.     Travel Insurance Reimbursement Claim

For accurate documentation, the reimbursement claim process takes approximately 10 working days.

- Document Collection:
Gather necessary documents and submit original copies (paid receipts only) at BAGIC HAT
- Verification and Payment:
Post scrutiny, receive payment within 10 working days in your Indian bank account via NEFT.
- Incomplete Documentation:
Submit the documents upon receiving the email from the document recovery team within 45 days, after which the claim will be closed due to non-submission of the required documents.

Policy deductible will be applicable as per policy copy.

Documents Required for Travel Insurance Claims:

         - Policy Documents (Number & Name of the Insured, and Contact Details)

         - MEDICAL REPORT/INVESTIGATION REPORT for emergency and OPD basis treatment (If required and raised by claims team)

         - Incident Details (with self-declaration from insured for illness or incidence)

         - Attending Physician’s Statement (APS)

         -Romif from insured for Obtaining Medical Records (if require )

         -Cancelled cheque for bank transfer to the insured

 Loss of Baggage:

         - Claim Form

         - Baggage Tags Copies

         - Confirmation Letter from Airline Authorities to determine the delivery time and date of the baggage to the insured.

         - Property Irregularity Report

         - Emergency purchase receipt of Item bought due to delay of Baggage

         - Cancelled cheque for bank transfer to the insured

         Trip Cancellation/Interruption/Missed Connection:

         - Claim Form

          - Confirmation from Airlines and Letter Certifying complete cancellation /total delay

         - Documentation for Delay/Cancellation with Reason

         - Tickets (Scan copies of both the original and revised tickets, if necessary.)

         - Invoices or Receipts of Incurred Expenses only in Bharat Bhraman. Not applicable for international travel.

         - Cancelled cheque for bank transfer to the insured

 Loss of Passport:

         - Claim Form

         - Photocopies of New and Old Passport

         - Expense Receipts and receipts for New Passport

         - Photocopy of FIR or Police Report

         - Cancelled cheque for bank transfer to the insured

 Hijack Situation:

         - Claim Form

         - Detailed Account of Hijack Events

         - Corresponding Letters from Airlines

         - Photocopy of Ticket and Boarding Pass

         - Cancelled cheque for bank transfer to the insured

 Accidental Death:

         - Claim Form

         - Scanned Copy of Death Certificate

         - Photocopy of Coroner’s Report, FIR, Post-mortem Report and MR / APS if any treatment is given. Invoices and original paid receipts (hard copies)

         - Cancelled cheque for bank transfer to the insured

 Study Interruption:

         - Claim Form

         - Medical Reports Authenticated by Doctors

         - Bills and Receipts of University Fees Paid Earlier

         - Letter from University mentioning the inability to attend the semester to complete the course

         - Cancelled cheque for bank transfer to the insured

Therefore, a thorough comprehension of the travel insurance claim procedure is paramount for a worry-free journey. Insurya Consulting ensures a seamless process, offering various claim options tailored to diverse needs.
Read more about: Travel Insurance Claim Process

What Are The Steps To Extend Your Travel Insurance Policy Offline?

Extend Travel Insurance Policy Offline

         Offline extension means that you will either have to get in touch with your agent or visit the branch and complete the formalities there.

         - Step 1:  Please contact Insurya Consulting team online or contact your Insurance Agent or visit the nearest BAGIC branch before the expiry of the existing travel insurance policy. 

         - Step 2: Please submit the signed good health declaration form (format available on the website) mentioning your current policy number, your extension request for further extension of travel insurance, with your medical status.

         - Step 3:  Insurya Consulting team will review the extension request and give confirmation for the extension.

         - Step 4: if the extension request is accepted then we will send you a payment link or you have to give the premium to your Agent for extension of existing policy.

         - Step 5: You have to make the payment and the policy will be issued.

         - Step 6: A new policy will be issued and sent to your email id mentioned in existing policy schedule

Which Countries Compulsorily Require a Travel Insurance Policy?

International travel insurance is not just a convenience; in some countries, it's a mandatory requirement for entry. Several nations around the world, including those in the Schengen Area like Germany, France, and Italy, insist on travellers having adequate coverage before granting a visa. Countries like Cuba and Ecuador also have this prerequisite. Additionally, visitors to Russia, Turkey, and the UAE need to show proof of travel insurance upon arrival. These mandatory regulations underscore the importance of having comprehensive coverage. Before taking your international journey, it's crucial to research and secure the necessary travel insurance to ensure a smooth and compliant travel experience.

A quick glance: Without submitting the insurance confirmation, you may not get a visa for these countries.

- Antarctica

- Cuba

- Ecuador

- Qatar

- Russia

- Schengen Countries

- Turkey

- United Arab Emirates

- United States of America

Can You Port Your Travel Insurance Policy?

Embrace the liberty of travel insurance portability with Insurya Consulting, offering a seamless transition between insurers while retaining existing benefits. We prioritize your freedom of choice, inviting all individuals to safeguard themselves with our comprehensive policies. To facilitate a smooth shift, adhere to these steps:

- Communicate your portability requirements through online registration

- Notify your current insurer 7 days in advance. This is subject to age of the insured and any PED condition declared.

Please be mindful that the premium for a comparable travel insurance plan is subject to the discretion of the new insurer. Trust Insurya Consulting for a professional, hassle-free process, ensuring uninterrupted coverage while selecting the insurer that aligns with your preferences.