What Does Travel Insurance Cover: Detailed Insight

Journey Covers in Travel Insurance

• Trip/Flight Cancellations - Travel insurance plans reimburse you for non-refundable bookings in case of trip or flight cancellations due to unexpected circumstances, like illness, injury or other emergencies. 

• Trip/Flight Delays - Trip or flight delays do not come with a warning but can result in significant expenses. With travel insurance, you can receive additional expense support with some plans if the delay is more than 12 hours due to unfavourable weather conditions, missing travel documents, etc. 

• Other Trip Interruptions - In case your trip is interrupted due to unexpected medical or other emergencies, such as lost documents or weather issues, travel insurance reimburses the prepaid non-refundable expenses for the maximum sum amount as per the insurance policy. 

• Loss of Passport  - Losing your passport due to theft or any other unfortunate situation requires you to apply for a duplicate replacement passport to travel back home. Travel insurance covers the expenses for the issuance of a new or duplicate passport if you lose it when abroad. 

• Hijack Distress Allowance - If your flight is hijacked, it can leave travellers distressed. Travel insurance plans offer a distress allowance for a pre-set amount per plan for a maximum of 7 days to help you feel better. 

Travel Insurance Cover for Medical Emergencies

• Emergencies  - With travel insurance health coverage, you get extensive financial coverage for medical expenses incurred due to emergencies requiring immediate treatment. The scope of cover includes treatment charges, in-patient treatment expenses, diagnostic test fees for the treatment, etc. 

• Medical Transportation—Along with medical treatment cover, travel insurance also covers the transportation expenses to the nearest hospital or back to India for immediate treatment. 

• Repatriation of Mortal Remains - In the unfortunate event of the policyholder’s death due to an event covered under travel insurance, the expenses for sending their mortal remains back to India or performing a cremation at the international destination are covered.  

• Personal Accident  - For any unexpected or accidental injury causing partial or complete disability or unfortunate death of a policyholder when abroad, travel insurance compensates them or their family members against the same as per the sum assured amount.

• Personal/Third-Party Liability  - In case you cause unintentional damage or injury to a third party or their property, you can receive financial support to cover the expenses required for compensation and legal services.

• Daily Hospital Allowance - During medical emergencies requiring urgent hospitalisation for a duration longer than 2 days, you can avail of a daily hospital allowance for a maximum of 7 days of treatment to help you manage your expenses.

• Compassionate Visit -If you are admitted to a hospital for treatment for more than 7 days and have no family or friends around, you can avail of compassionate visit coverage, which will cover the flight and accommodation expenses as per policy limits for one immediate family member. 

• Dental Treatment - For any anaesthetic dental treatment when abroad, you can avail of coverage of expenses incurred with a travel insurance plan for a pre-decided sum amount as per the plan's terms and conditions.

Travel Flight Insurance Coverage for Baggage Cover

• Total Loss of Baggage - In case you lose your baggage due to airline mishandling or carelessness, you will get due compensation for the lost checked-in baggage as per the market value. 

• Delayed Baggage - If your baggage is delayed beyond 12 hours by the airline or other unexpected circumstances, you will receive a reimbursement of up to USD 100 against the necessary expenses incurred during the delay period. 

Additional Inclusions for Specific Travel Insurance Plans

Along with the standard inclusions under travel insurance coverage mentioned above, there are some additional coverages available with the plans to cater to the travel-specific requirements of different travellers. 

​For instance, Schengen travel insurance allows you to comply with the visa requirements and explore all 29 countries in Schengen hassle-free. On the other hand, student travel insurance offers 8 add-ons to customise your plan further. 

Let us look at the additional coverage add-ons for different plans below. 

Benefits of Travel Insurance

• Financial Security - One of the most significant benefits of travel insurance is financial security during your trips. Unexpected circumstances cannot be predicted, but with travel insurance cover, you can be assured of timely financial assistance to safeguard your out-of-pocket expenses. 

• Peace of Mind - Another advantage of purchasing travel insurance is the added peace of mind that allows you to explore and make memories freely. This is possible only because you know you are protected from unforeseen events.

• Extensive Coverage—Travel insurance plans offer medical insurance coverage for international travel, as well as added cover for various journey interruptions and baggage protection. This ensures the necessary trip safety for better confidence in exploring new destinations.  

• Wide Range of Options - You can choose from a wide range of travel insurance options available in the market based on trip duration, frequency, location, traveller age group, and more. This gives you the flexibility to customise your trip cover as required.

Conclusion

With a better understanding of the extensive coverage available with travel insurance plans, you can now explore the world without any hassle or stress. 

So, ditch your travel anxieties and plan your next big adventure by choosing a travel insurance cover that best aligns with your needs and budget. 

Reliance General Insurance offers various international travel insurance options based on travel destination and trip category, including basic, standard, silver, gold and platinum plans. These plans offer extensive coverage for medical emergencies, loss or damage to baggage, personal liabilities, evacuation and repatriation, etc. 
So pack your bags and book your next trip today!

Frequently Asked Questions

1. Is the travel insurance coverage available with my credit card sufficient to secure my international trip?

Many credit card companies offer flight cancellation/delay coverage with their card inclusions. However, more is needed to ensure maximum protection for medical and other emergencies when travelling abroad. Travel insurance offers comprehensive coverage for different unexpected circumstances that ensures peace of mind.

2. Is travel insurance only necessary for expensive trips?

Regardless of the trip itinerary and expenses, unexpected situations can arise at any point. Thus, choosing to secure your trip with a travel insurance policy should not be limited to the expenses of the trip. Instead, it is recommended to secure all your trips to have a financial safety net at all times. 

3. What are some exclusions of travel insurance coverage?

Some inclusions for travel insurance coverage include voluntary travel against a doctor's advice and then facing medical emergencies, self-inflicted injuries, beauty treatments, voluntary participation in high-risk activities, getting injured or harming third parties after intoxication, etc.
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