Travel Insurance
Travel Insurance: What to Look For
Essential tips for choosing travel insurance before your next trip.
A trip abroad often involves non-refundable bookings and unfamiliar healthcare systems. Travel insurance bridges these risks, ensuring you aren’t stranded with medical bills or logistical nightmares. It is mandatory for Schengen visas and increasingly recommended by universities for students.
Choose plans that match your itinerary—single trip, multi-trip, student, or senior citizen policies. Pay attention to sub-limits on dental care, maternity, or pre-existing conditions, and disclose any existing ailments to avoid claim issues.
Medical & Emergency Cover
Seek at least USD 100,000 medical coverage for international trips. Include emergency evacuation and repatriation.
Trip Cancellation & Delay
Protect prepaid bookings. Look for cover against airline failures, strikes, and natural disasters.
Baggage & Passport Loss
Ensure quick reimbursement for essentials and assistance for duplicate travel documents.
Adventure Sports & Add-ons
If you plan skiing or scuba diving, confirm that the policy covers such activities. Add personal liability if renting cars abroad.
Schengen & Student Plans
Schengen visas mandate €30,000 medical cover. Students should include study interruption and sponsor protection benefits.
Documents to Keep Handy
Benefits of Travel Insurance
- Covers hefty overseas medical expenses and emergency evacuations.
- Reimburses trip cancellation or curtailment costs beyond your control.
- Protects baggage, gadgets, and travel documents.
- Offers 24/7 assistance for hospital admissions, translation, and cashless support.
- Passport copy, visa, confirmed tickets, and itinerary.
- Pre-existing medical history and prescriptions.
- Embassy contact numbers and 24x7 insurer helpline.
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