​Going on a trip abroad alone can give you a different sense of freedom. From adventurous hiking and river rafting in chilling waters to partying like there's no tomorrow at the world’s most happening festivals, you create countless memories.

But before you proceed, it is prudent to secure your trip with solo travel insurance. But with so many options available, how do you decide which one is the best?

Here are some essential tips related to the best travel insurance for solo travellers to help you choose the best policy for yourself.

Travel Insurance for Solo Travellers — What You Need to Know?

Medical Coverage

If you are on a solo trip to Europe from India, you must have medical coverage of at least EUR 30,000 to get a Schengen visa. Read the fine print of the policy wordings to understand the provisions for medical coverage. Single-trip travel insurance covers hospitalisation bills and medications for injuries or illnesses sustained during the trip.

The policy includes emergency evacuation coverage if you must be transported to a better-equipped hospital. Additionally, a provision for repatriation applies if you need to be brought back to your home country for treatment.

However, remember that most policies reject medical claims related to participation in extreme activities. Also, if the primary purpose of your travel to a foreign country is to seek treatment for a pre-existing condition, this policy will not provide coverage.

Flight Cancellations

One of the most stressful moments on a trip is when your flight is cancelled. This can happen for many reasons, such as airline staff shortages, mechanical failures or even a shutdown of the air traffic control system.

Solo travel insurance helps reimburse your forfeited, non-refundable trip costs in such scenarios. The insurer also provides financial assistance for necessary expenses incurred due to flight delays.

Luggage Coverage

You do not want to be stuck at the airport for hours due to issues with your luggage, especially when you have a tight schedule. That is where individual travel insurance can assist.

Travel insurance for solo travellers typically includes two main forms of luggage coverage: Baggage Loss and Baggage Delay. The former helps you if your luggage is stolen or damaged upon arrival at your destination. However, remember that insurers often exclude coverage for items such as electronics, watches and precious metals.

Regarding baggage delay coverage, insurers reimburse you for essential purchases like a toothbrush, toiletries and a change of clothes for each day your belongings are delayed.

Before filing a claim for such incidents, ensure you know the applicable limits for these claims.

Loss of Passport

• Immediately report the loss or theft to the local police and file a First Information Report (FIR).

• Locate the nearest Indian consulate or embassy and register your loss. Depending on your departure schedule, they can assist you in applying for an Emergency Passport or an Emergency Certificate.

Liability Coverage

Have you ever wondered about a situation where you accidentally knocked over a valuable artefact in a shop while exploring a new city? Or have you thought about the consequences when you are involved in a minor accident that results in injury to someone else? In such situations, you could be held financially responsible for the damages. That is where personal liability coverage comes into play.

Liability coverage in international travel insurance, as the name implies, covers any incident where, due to your actions, someone else sustains bodily injury or property damages.

However, liability coverage might not assist if the insurer comes to know that a malicious act was willfully conducted.

Trip Cancellation

If you have to cancel your trip due to unforeseen circumstances, the insurer pays for non-refundable expenses. These circumstances can include personal illness, the illness or death of a family member who is not travelling with you or natural disasters.

General Solo Travellers Tips

Create a Budget

A budget gives you a clear picture of your expected expenses. It helps you avoid overspending and financial stress. Start by researching the cost of living in your destination. Review the prices for accommodation, meals, transportation and attractions. Do not forget to consider the exchange rate.

Next comes allocation. Decide what is most important to you. If you are a foodie, put more money into dining out. If you love exploring historical marvels, budget more for entrance fees.

Always set aside some money for unexpected expenses. This could be anything from a medical emergency to a last-minute change in plans.

Plan your Location

Start by identifying your interests - be it history, nature, cuisine or adventure sports. Go for deep research about the places that offer these experiences. Use the internet to read travel blogs and watch vlogs. You may also check many travel apps.

Next, list places you want to visit and activities you want to do. Prioritise them based on your preferences, their cost and geographical proximity.

Check Documents

You will need to carry a heavy set of documents when travelling to an overseas location. Some of the critical papers you will need are listed here.

• Have a passport with a validity for at least six months beyond the date of your visa application.

• Depending on your destination country, you may need a visa. Visas are available on arrival in some countries, while others mandate pre-application.

• You may also need proof of hotel bookings and onward or return travel tickets. Authorities may check these documents at the border.

• If you are carrying currency over $5,000, you must declare it at entry. Check local laws for rules on reporting large amounts of foreign currency and Indian rupees when leaving.

Conclusion

If you are on a solo trip, expect a thrilling and liberating experience. However, it is important to be prepared with travel insurance. Having individual travel insurance from a reputable insurer like Reliance GI can protect you from unexpected expenses and complications. From medical emergencies to flight cancellations and lost luggage, our insurance covers everything.

Our international travel insurance also gives you coverage for extended accommodation due to unavoidable situations. Our instant policy issuance and quick claim settlement process make it hassle-free to buy and renew your policy online with us.

Frequently Asked Questions

What is the first step in planning a solo trip?

The first step is to choose a destination that interests you. Research about its culture, safety and attractions. Consider your budget and the best time to visit.

​How can I stay safe while travelling alone?

Always keep your belongings secure, avoid isolated areas, especially at night and keep emergency contacts handy. Inform someone about your whereabouts.

What should I pack for a solo trip?

Pack light but include essentials like travel documents, medicines, a power bank, reusable water bottles and versatile clothing items.