Travel Insurance for Indians: What Should You Check?

Travel Insurance for Indians: What Should You Check?

Travel insurance is not simply a document to buy at the end of a booking. The useful question is whether the policy covers the risks that could create a large financial loss during your trip.

Medical Expenses

Check the medical coverage limit, hospitalisation rules, emergency treatment conditions and exclusions. Some destinations have specific insurance requirements.

Trip Cancellation and Interruption

Read the list of covered reasons rather than assuming every cancellation is reimbursed. Non-covered personal changes of plan may not qualify.

Baggage Cover

Check the maximum amount payable and per-item limits. High-value electronics may have special conditions or exclusions.

Passport Loss

Some policies provide assistance or reimbursement for expenses related to passport loss. Keep copies of your passport and relevant emergency contacts separately.

Flight Delay

Delay benefits generally have specific waiting periods and documentation requirements. Check whether the trigger is based on airline-confirmed delay time.

Read Exclusions

Pre-existing conditions, adventure activities, alcohol-related incidents, unattended baggage and certain risky activities may be excluded or restricted. The policy wording controls the claim.

Final Takeaway

Compare travel insurance by coverage, exclusions, claim process and destination requirements—not only by premium. Save the policy certificate and emergency assistance number offline.