Victoria 
Choosing the right travel insurance plan is crucial as it offers travellers financial security. To simplify the selection process, most Indian travel insurance providers offer a range of preset insurance policies that vary in duration, benefits, and coverage scope.
Several factors should be considered when selecting a travel insurance policy, including your travel destination, age, itinerary, etc.
- The purpose of travel
- The quantity of travel
- The length of the anticipated trip
- Location or nation you are visiting, age of the traveller, and any accompanying family members
- Number of travellers covered by the policy
Travel Insurance Types Depending On The Needs Of The Traveller
Look at the various types of travel insurance available:
- Domestic Travel Insurance Policy
While many individuals remember to purchase travel insurance for international trips, shorter domestic trips are often overlooked. Insurance companies offer comprehensive domestic travel insurance packages that include coverage for medical expenses, flight or train delay compensation, lost baggage, and more. These policies can be purchased for single trips or an entire year, providing peace of mind for travel within India. *
- International Travel Insurance Policy
Travelling abroad is undeniably exciting, promising new experiences and adventures. However, it can also bring unexpected challenges, such as missed connecting flights or lost passports. International travel insurance protects against various issues, including flight cancellations, trip cancellations, and lost luggage. *
- Policy For Senior Citizens Travelling Alone
Don’t let age limit your travel adventures. While older travellers may face more risks, they should still explore the world. Senior citizen travel insurance plans are available for those aged 61 to 71, with some insurers offering coverage up to age 91.
- Individual Travel Insurance Policy
These plans are intended for solo travellers or individuals travelling alone, as the name implies. These are relatively inexpensive compared to other plans and provide the insured with all the required benefits.
- Family Travel Insurance Policy
Family travel insurance plans offer comprehensive coverage for an entire family under one policy, saving time and money compared to individual policies. Typically, they cover the insured person, their spouse, and up to two children, although eligibility may vary based on age. Some insurers may require an additional premium for covering other family members, such as elderly parents or more than two children.
- Travel Health Insurance Policy
As its name implies, this policy is specifically designed to handle any health-related risks associated with international travel. This type of insurance policy pays for costs related to medical emergencies and other health-related concerns. However, the specific coverage varies depending on the insurer, so it’s critical to understand the benefits before buying this plan.
- Student Travel Insurance Policy
These insurance programs cater to Indian students studying abroad, typically aged 16 to 35. They offer coverage for 1-3 years, with the option for extensions to accommodate more extended stays. These plans provide unique benefits like sponsor protection, coverage for laptop loss, protection against study interruptions, and more. *
- Corporate Travel Insurance Policy
Corporate travel insurance, or annual multi-trip insurance, is the preferred choice for businesses and industries with frequent international travel needs. These policies are suitable for teams of employees who regularly embark on last-minute business trips.
*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.
