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Travel Blog
10 Nov 2024
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Whether it is for business or pleasure, travelling in today’s time has become a significant part of people's lives. Unlike the old times, people now aren’t afraid of utilising their money to explore and touch new places. However, a common mistake that most people make while going on a trip is not purchasing a travel insurance policy. Travel insurance is an excellent investment that helps to cover up the costs of any financial or medical emergency occurred while you are on the trip. People often overlook its multiple benefits and do not buy the policy just to save a few bucks. Sadly, they realise its importance when something unfortunate happens, and they end up paying double or triple the costs of travel insurance. This guide will help you explore all about comprehensive travel insurance and the things you should know before buying it. Let’s Begin!
Before studying any other detail, let us first understand the types of travel insurance available in India. Check out the given table below:
Features | Medical Insurance | Evacuation Insurance | Accident Insurance | Annual Insurance | Comprehensive Insurance |
---|---|---|---|---|---|
What is it? | It is a travel insurance policy that provides emergency medical coverage when travelling outside India. | This insurance policy covers the costs of transportation required for evacuating you to the nearest hospital in the case of a medical emergency. | This travel insurance plan focuses on providing protection against accidents for frequent travellers. | Annual insurance plans cover your trips for an entire year and offer multiple benefits and coverages. | This is one of the most opted insurance types as it covers all aspects of your trips and is a complete insurance package. |
What does it cover? | ? Medical emergencies ? Accidents ? Emergency evacuations ? Repatriations | ? Medical evacuations ? International security evacuations. | ? Accidental death ? Dismemberment | ? Flight cancellations ? Medical Emergencies ? Loss of baggage and documents ? Evacuations and medical repatriation. | ? Lost or stolen baggage ? Delays in flights ? Flight cancellations ? Medical emergencies ? Natural disasters ? Dental emergencies |
It is ideal for? | ? People going for business trips abroad ? Students studying outside India ? People visiting abroad for vacations | ? Foreign travellers ? People visiting remote locations. | ? People going to expensive western countries. | ? Frequent travellers ? Business travellers ? Multi-trip travellers | ? People going on a single trip. ? Family trips. ? Domestic or international travel. |
Now that we are familiar with travel insurance types let us study more vividly, what is comprehensive travel insurance? Comprehensive travel insurance can be considered a full package policy as it offers the highest level of covers one can buy. Anyone can buy this policy, and it is typically offered for single-trip travel.
Here’s a list of what is covered by travel insurance comprehensive policy:
Following are some of the exclusions of your comprehensive travel insurance:
What is comprehensive travel insurance should not remain a question any more after studying all the above-given information. This travel policy is extremely supportive and beneficial for people who are going to a far location and want to enjoy an interruption-free trip. So whenever you travel next time, ensure to buy this policy and stay protected from any uninvited circumstances.
Yes, you can purchase travel insurance after booking your flight tickets.
Travel insurance works differently from a car or home insurance, and any claims made do not affect the policy's premiums.
There are several insurance companies from where you can buy travel insurance such as Bajaj Allianz, InsureMyTrip, Travelex, etc.
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