5 Types Of Travel Insurance Coverage In India For Stress-Free Holidays

We all get really excited when considering or making travel plans, but are we neglecting to include something crucial like travel insurance?

Most people do, for sure! Travel insurance is absolutely necessary because it protects against risks like medical emergencies, flight mishaps, and provides compensation for lost luggage, delayed or cancelled flights, lost passports, legal assistance, and any other unfortunate incident that might occur while on vacation or a trip. You may travel stress-free and enjoy your entire trip if you have travel insurance.
The various travel insurance plans available in India are shown below.

1. Domestic Travel Insurance

This travel insurance covers the insurance holder for trips that are within the legal boundaries of India. Most of such policies cover lost baggage, lost travel tickets, delay in flights/cancellation, theft of valuable items, sickness, permanent disability, death, legal aid, and third party damages incurred by you during a trip, which are covered under the name Personal Liability. Some insurance providers also provide this policy to foreigners working in India on work permits. People between 18 to 65 years of age are eligible for this policy.

2. International Travel Insurance

If you are traveling overseas for work or vacation, you must get yourself insured before taking the flight. The international travel insurance will give you life cover, cover for stolen/lost luggage, evacuation to India, cashless hospitalization, hijack risk, loss of documents like passport, ID’s, or tickets, and medical cover.

3. Luggage Insurance

All of us have heard a couple of stories from your friends and family members about luggage theft or total loss of baggage. Losing one’s luggage will cause distress and financial loss, but with luggage insurance, you can at least recover the monetary loss.

One must get luggage insurance beforehand, though it’s covered in other travel insurances like domestic or international travel insurance, but if you want you can buy luggage insurance separately. The insurance covers luggage theft, total baggage loss, damage to the belongings through fire or water, or during riot or strike.

4. Senior Citizen Travel Insurance

This insurance covers the travelers belonging to the age group of 61 to 70 years. Elderly people may have specific travel requirements or may need immediate medical attention anytime, hence getting them insured through travel insurance is a prerequisite. Most policies cover dental treatment, cashless hospitalization, medical expenditure of an existing illness, along with baggage loss, and flight delay/cancellation. 

5. Single Trip Or Multi-Trip Insurance

Travel insurance comes with myriad options, and the best part about them is that you may get them for a single trip or may insure all your trips within a year by paying a higher premium. Multi-Trip insurance saves the policyholder from getting into the insurance application process every time before traveling within a stipulated time. Both the insurances cover medical and non-medical emergencies (theft and delay in flight).