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  • Writer's pictureTeam ArthaPurna

Travel Insurance

Updated: Aug 24, 2022


Imagine that you are about to leave for a thrilling vacation. Your travel documents, including your visa, tickets, and hotel reservations, are all in order. Your luggage has been misplaced when you arrive at your destination. Or even worse, you experience theft and are abandoned in a foreign country without your passport or any money! Dealing with these circumstances can be costly and challenging, especially if you're in a place where the language is not your own. But exactly because of this, travel insurance is so important!


Travel insurance is a special insurance that provides you with cash support in the event that something unfortunate occurs while you're on the road. It covers a variety of situations, such as accidents involving your teeth or body, theft of your money or loss of your passport, airline cancellation, and misplaced or lost luggage.


You can pick the travel insurance plan that best meets your needs based on where you're going, why you're visiting, and how frequently you travel. If you frequently travel solely domestically or internationally, a single-trip travel insurance plan is suitable for you. You may buy one for your family under family travel insurance or for yourself. If you travel frequently for work, you might wish to choose a multi-trip or annual travel insurance plan. You can avoid the headache of obtaining a new travel insurance policy before each trip by doing this.


Travel insurance is one of the crucial things that travelers need to be aware of with the growth in travel. This type of insurance helps protect against a wide range of unforeseen events and situations that could deplete a traveler's financial resources. When applying for a visa, the majority of nations need mandatory travel insurance. However, it's crucial to get travel insurance that covers all potential hazards. Travel insurance is a sort of insurance that protects against a variety of dangers. It covers any damages a traveler can suffer while on the road, including medical costs, lost luggage, cancelled flights, and other misfortunes.


Travel insurance is often purchased from the day of departure until the traveler returns to India. Purchasing travel insurance guarantees complete coverage in the event of an emergency abroad. Although Bharat Bhraman & E Travel and other companies offer travel insurance for domestic travels as well, it is a more common choice for international travel.


Some of the risks covered under Travel Insurance are:

  • Personal Accident Cover, which covers:

    • Insured’s Death

    • Permanent Total Disability

  • Accident & sickness medical expense reimbursement

  • Dental treatment relief

  • Emergency evacuation

  • Repatriation of remains in case of death

  • Home burglary

  • Baggage delay

  • Loss of checked baggage

  • Loss of passport

  • Missed connection/missed departure

  • Hijack

  • Flight delay

  • Trip curtailment

  • Trip cancellation

  • Bounced hotel/airline booking


The Differences Between Travel Insurance Plans:

It makes perfect sense to allow the traveler to select the plan that best suits their needs as the primary goal of any travel insurance is to give the traveler financial security. Most travel insurance providers in India offer a predetermined range of insurance policies to make the process simpler and save time while choosing an insurance. Most plans vary from one another in terms of their duration, perks, and scope of coverage. Before making any plans, you need to take a few things into account. These variables are all influenced by the traveler's wants.


Your travel health plan will be determined by a variety of demands based on the route, the destination, your age, and a number of other considerations. The following are some of the most typical elements influencing your decision on a travel insurance policy:

  • The purpose of your trip

  • How often you travel

  • How long your trip will last

  • Where you'll be going

  • How old you and your family members will be when you arrive

  • How many travelers the policy covers

As a result, there exist several travel insurance options for various individuals. They are all built for various types of travelers, even though they all give comparable protection.


Types of Travel Insurance:

You might be a seasoned traveler used to switching between nations, or you might be someone who has been waiting their entire life to take their first foreign journey. There is a plan for you, no matter what your need or financial situation. Look at the various travel insurance policies available:

  • Domestic Travel Insurance: For trips abroad, many people make it a point to purchase travel insurance, but they frequently forget about shorter trips. Numerous insurance companies offer excellent domestic travel insurance packages with a range of advantages, including coverage for medical costs, reimbursement for lost or delayed flights or trains, baggage loss, and more. Depending on your needs, you can buy these plans for a year or a single trip. You can travel anywhere in India with the peace of mind that any emergency will be covered if you get domestic trip insurance. In addition to covering flights, many plans also cover trips taken by automobile and train.

  • International Travel Insurance: People have always found travelling abroad to be exciting. Going abroad is exciting and provides a chance for new experiences and adventures. It also commonly results in unpleasant situations like missing a connecting flight or losing your passport when travelling, along with some real concerns. Whatever the difficulty, the majority of international travel insurance policies provide protection against problems including airline cancellation, trip cancellation, lost baggage, and more.

  • Individual Travel Insurance: These programmes are intended for solo travelers or individuals who are travelling alone, as the name implies. These are relatively inexpensive as compared to other plans and provide the insured with all the required advantages.

  • Family Travel Insurance: These are programmes designed to provide protection for the entire family under one insurance policy. It saves you the time and money you would have spent getting individual policies for each member of your family. This form of policy often provides coverage for the insured, their spouse, and their two children. Don't forget to verify the dependents' eligibility's age, as most insurance policies only cover dependents up to age 21. Similar to this, many insurers charge an additional price for coverage for extra members, such as elderly parents or more than two children.

  • Senior Citizens Travel Insurance: Why should the fun be limited to youth? Traveling poses greater risks to older people than it does to younger people, but this shouldn't deter them from seeing the world. This also means that such travelers must be provided with options for stress-free travel and more than ever need the help of insurance. The typical age range for senior citizen travel insurance plans is 61 to 71 years old, but several insurers offer these plans to people as elderly as 91 years. These are a little more expensive than other plans, and a medical exam could be necessary. However, many plans also provide other advantages like help with travel, dental costs, and more.

  • Student Travel Insurance: These programmes are designed for Indian students who study abroad and are between the ages of 16 and 35. These plans typically last 1-3 years and can be extended based on the needs of the student because the length of their stay is longer. This type of insurance provides various distinctive advantages not provided by other types, including sponsor protection, laptop loss, study interruption, and more.

  • Travel Health Insurance: As the name implies, this policy is especially created to address any health-related risks associated with international travel. This kind of insurance policy pays for costs associated with 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.

  • Single & Multi Trip Travel Insurance: Single-trip travel insurance policies are ideal for folks who don't take more than a few trips per year. However, choosing a multi-trip insurance plan is preferable if you travel overseas more than twice each year because it has a lower premium and provides coverage for up to 365 days or as determined by the insurer. Additionally, it saves them from having to purchase insurance each time before their vacation.

  • Corporate Travel Insurance: These policies, also known as annual-multi-trip travel insurance, are a preferred option for businesses and industries with a high volume of business travel. These can be bought for a team of workers that frequently require last-minute international travel. Corporate travel insurance policies provide lower premiums and provide nearly all the coverage required to protect the trip of such frequent travelers.

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