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Travel Insurance

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Traveling exposes one to new experiences and adventures but is not without its risks. That is what travel insurance does: protection and peace of mind in case something goes haywire during your journey. InsureMile makes it easy to find the right travel insurance for you.

What is travel insurance?

It gives coverage to the traveler against an extended number of contingencies causing hindrance to the trip. Whether it be simple traveling within India or going on an international trip, you will definitely be secured by travel insurance against trip cancellations, medical emergencies, and lost things.

Why Do You Need Travel Insurance?

Travel insurance is very essential in managing the unexpected. This includes medical emergencies, flight cancellations, and lost luggage. Now you can enjoy your trip by buying travel insurance rather than worrying about various problems that might pop up.Get travel insured with InsureMile in the easiest and most hassle-free way. Compare a number of plans in one click and choose the right cover from the comfort of your home

Do You Really Need Travel Insurance in India?

Be it any type of travel within India or abroad, the travel insurance policy offers much-needed protection against a plethora of issues. This, in fact, shall range from medical emergencies and trip cancellations to ensuring that you have the right kind of insurance plan that covers you for everything that may arise in the journey.

Why buy travel insurance?

It gives both monetary and mental security. The plan has you covered against unforeseen events, whether medical emergencies, loss of baggage, cancellation of trips, or simply anything that may hamper your journey, and will now make your travels much easier and less worrisome. With InsureMile, finding the right cover has just got easier.

Key Features of a Travel Insurance Plan

While selecting a travel insurance plan, look out for the following features:

Flight-Related Incidents: Coverage for delays, cancellations, and other flight-related issues.
Trip Cancellation Coverage: Reimbursement of irrecoverable costs in case trip cancellation.
Emergency Cash Advance: Provides with cash in the event of robbery or lost money during your journey.
Annual Coverage: Plans for frequent travelers, involving multiple trips during the year.
Family Coverage: Economical policies under which all members of a family are covered.
Cashless Medical Treatment: System of direct settlement of hospital expenses through network hospitals.
Everybody has their Age-specific plans: From senior travelers to other age groups, there’s customized coverage available for them all.
Luggage/Passport Loss Insurance: Protect against loss/delay of checked-in luggage or passport
Housebreaking Insurance: When robbers pay a visit while you are having fun out of town.
Automated Claim Settlement: Fast and hassle-free settlement for trip delay/cancellation claims.

Add-ons to Power Up Your Travel Insurance

Here are some valuable add-ons that can help you customize your travel insurance as per your needs:

Adventure Sports Coverage: Insurance coverage available for activities like skiing, scuba diving, or even trekking, which fall within the high-risk factors.

Baggage Delay Coverage: Pays for the items of necessity in case of a delay in the checked-in baggage.

Passport Loss Coverage: It pays for expenses regarding a loss of passport and provides aids for such aspects.

Home Burglary Protection: It helps in the situation where a house may get burglarized while a traveler is on the trip.

Trip Extension Coverage: Added insurance coverage towards the extension of the trip without any planned schedule or notice.

Pre-Existing Medical Conditions: Covers pre-existing health conditions, as per the policy conditions.

Emergency Cash Advance: Avail emergency money in case of loss of money.

Travel with Confidence:InsureMile's Comprehensive Travel Insurance

Are you ready to embark on exciting adventures and explore new horizons? At InsureMile, we understand the thrill of travel and the importance of protecting your journeys. That’s why we offer comprehensive Travel Insurance plans designed to provide you with peace of mind through out your travels.

Your Trusted Travel Companion

Our Travel Insurance plans act as your trusted companion, ensuring that you can travel with confidence and security. Whether you’re planning a leisurely vacation, a business trip, or a backpacking adventure, our insurance coverage has you covered for a wide range of unexpected situations.

Comprehensive Coverage for Every Aspect of Your Trip

From the moment you book your trip until you return home, our Travel Insurance offers comprehensive coverage for various scenarios:

  1. Trip Cancellation or Interruption: Life is unpredictable, and sometimes plans change unexpectedly. Our insurance protects you from financial losses due to trip cancellations or interruptions caused by covered reasons such as illness, injury, natural disasters, or airline cancellations.

  2. Medical Emergencies: Health emergencies can happen anywhere, and our Travel Insurance provides coverage for medical expenses incurred during your trip, including hospitalization, doctor’s visits, medications, and emergency medical evacuation if needed.

  3. Lost or Delayed Baggage: Don’t let lost luggage or delayed baggage disrupt your travel plans. Our insurance reimburses you for the cost of essential items and clothing in case of baggage loss or delay by airlines.

  4. Flight Delays or Missed Connections: Delays and missed connections can be stressful, but our Travel Insurance offers compensation for additional expenses incurred due to flight delays, missed connections, or rescheduling of flights.

  5. Travel Assistance Services: Beyond financial coverage, our Travel Insurance includes travel assistance services such as 24/7 emergency assistance, concierge services, legal assistance, and travel advisories to help you navigate unfamiliar territories smoothly.

Different Types of Policies on Travel Insurance by InsureMile

Travel insurance comes with several types to fit different requirements. Some of these types include:

Individual Travel Insurance: This delivers end-to-end protection to individual travelers. It provides insurance on medical emergencies and cancellations of trips.

Family Travel Insurance: One policy covering all family members, offering convenience and cost savings.

Student Travel Insurance: Specialized coverage for students studying abroad, addressing medical and educational expenses.

Senior Citizen Travel Insurance: Tailored for travelers in the age bracket of 61-70, focusing on health-related concerns.

Corporate Travel Insurance: In specific, this is for businesses to be able to insure their employees traveling on work.

How to Make a Claim on Travel Insurance Policies

In case of a claim, the process is easy and headache-free with InsureMile. Please follow the steps mentioned below to make your experience smooth:

Notify the Incident: Inform InsureMile immediately in case of a medical emergency, lost baggage, or trip cancellation.

Gather Documents: Keep a record of all relevant documents, such as medical reports, police reports in case of theft or loss, travel tickets, and receipts of expenses incurred.

Raise a Claim: Reach out to our customer support for raising a claim or log in to insuremile.in, our easy-to-use online portal, to raise it online. Ensure that all relevant information and documentation are provided while raising the claim.

Claim Processing: Your claim and relevant documentation will be reviewed by the insurance company. Additional information may be required to process your claim.

Claim Settlement: On approval, the settlement will be processed. InsureMile ensures quick and effective settlement directly to your bank account.

Follow Up: Stay in touch with the support team at InsureMile to know updates about your claim status and get issues resolved promptly.

Why Choose InsureMile for Your Travel Insurance Needs?

Customized Plans

We offer flexible plans tailored to your specific travel needs, ensuring that you get the right coverage for your trip duration, destination, and activities.

 

Fast and Efficient Claims Processing

Our dedicated claims team ensures quick and hassle-free claims processing, providing you with the support you need during emergencies.

Expert Guidance

Our experienced insurance experts are available to answer your questions, provide guidance on policy features, and assist you with any travel-related concerns.

Global Coverage

Whether you’re traveling domestically or internationally, our Travel Insurance offers global coverage to protect you wherever you go.

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The followings are the reasons you should buy the travel insurance plans while travelling from one place to another and they are:

• The travel insurance will cover all the health emergencies. As you all know that the health problem can occur anytime while travelling so you should buy the travel insurance because it will help to provide you with coverage against health problems.

• Secondly, there are some countries in which the travel insurance is mandatory. For example US. In the US, the cost of the medical treatment is so high that you can’t afford it so you have to buy the travel insurance.

Travel is an inevitable part of life now days. One has to travel for business purpose, for study, for vacation, corporate meetings etc. There may be many unforeseen event can happen which may interrupt your travel. Travel Insurance is there to save you from the problem arises out of these unanticipated events. They will provide you insurance against the expenses which may occur for the treatment of illness, accidents etc. They also provide insurance against loss of baggage or passport. With travel insurance you can travel with complete peace of mind. Somebody is there to help you out at the unfamiliar places. Travel Insurance plans offered by New India Assurance Company. New India Assurance offers different products for domestic and overseas travellers. These plans provide you security against the expenses incurred due to any illness, accidents, loss of baggage etc. Two type of travel insurance is provided by the company: Suhana Safar Policy Overseas Mediclaim Policy Suhana Safar Policy: Suhana safar policy is exclusively designed for domestic travellers. The domestic traveller can avail insurance for shorter duration as well for longer duration up to 60 days. Any mode of transportation is covered under the policy such as- by bus, by train, by air, by water or by own vehicle. This policy provide you the security against loss or damage of baggage of you, your spouse and dependent children. This cover starts from the declared place of departure and come to an end at the scheduled date of arrival or the actual arrival whichever is earlier. This policy also provides security against personal accidents. Accidental risk cover up to Rs 1 lakh per head is covered under this policy. Rescannable Actual emergency incidental expenses up to Rs 1000/- per head will be reimbursed for every member. Sum assured for loss of baggage is depending upon the insurance of the accompanied persons. Premium charged will be depending upon the number of person covered under the policy. For one person premium is Rs 80/- inclusive of accidental and baggage insurance. Service tax will be charged extra. Eligibility: Any Indian resident who is a frequent domestic traveller is eligible to avail the insurance plan. Benefits: This policy covers any journey within the country. This policy provides insurance for any mode of transportation includes- Road, air, water or train. If you are travelling by your own vehicle it is also covered under the plan. This policy covers the journey for shorter period or for the journey up to 60 days. Cover starts at the date of departure and end at the schedule date of arrival or actual arrival whichever is earlier. This policy covers the expenses of bodily damage occurred due to personal accident. This policy covers the expenses made out of loss of baggage of self or family members including spouse and dependent children. Accidental risk cover up to Rs 1 lakh per head is covered under this policy. Rescannable Actual emergency incidental expenses up to Rs 1000/- per head will be reimbursed for each member. Loss of baggage is also covered up to the maximum of total amount insured. Premium: Premium for the policy is depending upon the total number of people who is insured under the plan. Service tax will be charged separately. For one person premium is Rs 80/- inclusive of accidental and baggage insurance plus service tax. Specification: You have to declare in advance about the item in your baggage whose cost is Rs 500/- or more. You have to intimate about the accident to the nearest branch of company. If you cancelled your trip 2 days prior to departure in that case cancellation of policy is allowed. How to apply: You can download the application form for Suhana Safar Insurance plan from companys website and submit it to their nearest branch along with other required documents. Also you can directly visit their branch to complete the formalities. How to Claim: You need to contact their nearest branch to intimate them about the incident. Fill the claim form provide the necessary proof and documents and all your expenses will be reimbursed. Exclusion: No insurance claim will be provided for the loss of articles like precious gems, jewellery, precious metals, money, share, certificates, bonds, promissory notes, and stamp or travel tickets, business books. If the insured person is drug addict or self injured or suicide clause, no claim will be entertained. If the insured person participated in any war, nuclear explosion etc no claim will be entertained. Overseas Mediclaim Policy: This plan is specially designed for the frequent corporate travellers. It provides you cover against expenses incurred outside your country on account of sickness, accidents with physical injuries or any disease contracted during travel. You need to pay the premium in Indian currency and the claim will be settled in the foreign currency. Cover Period: The cover will start from the given date of departure or from the first day of insurance whichever is later and valid to the scheduled date of arrival or actual arrival whoever is earlier. Initially the coverage for 180 days will be provided under Business and Holidays Plan. To which the extension is allowed on submission of proof of good health. If the journey period is extended due to the public transport delay which is not in control of the insured person, cover will be extended automatically for not more than 7 days without any extra charges. Types of Plans: Below mentioned plans are available under overseas mediclaim policy: OMP- Business and Holidays Plan Employment and Studies Plan Premium: Premium to be charged is depend upon the age band of the insured person, duration of the journey and the country where he needs to visit. Eligibility and Documentation: Person has to take the policy previous to the departure date from India. Person who wants to get insured has to submit medical reports of good health. Medical reports are mandatory in the below mentioned cases: Duration of the trip is over 60 days and age of the insured person is over 60 years visiting USA or Canada. Duration of the trip is over 60 days and age of the insured person is over 70 years visiting countries excluding USA or Canada. In case the proposal has mentioned that he has suffered from or is suffering from any illness or disease. Following medical reports needs to be submitted: ECG Reports with printout Fasting Blood Sugar and Urine Sugar Urine Strip Test Report Any other test report as required by the company along with attached questionnaire II (B) to be filled and signed by the Doctor who is conducting the test. Minimum qualification for the Doctor who is conducting the test should MD. Benefits: Following benefits are to be provided under Overseas Mediclaim policy- Medical or Repatriation Expenses:- If the insured person is suffered from any sort of illness, pain, dental problem, or any other medical problem then the company will help them out and also borne the expenses which is incur out of this medical emergency during the tenure of insurance. Personal Accidents:- It covers the expenses, If the insured person is met with an accident or sustain with any physical damage or if death occur in the accident during the journey period the sum assured will be paid to the nominee. This policy covers the following cases: Death of the policy holder Permanent total disability of the policy holder Total and irrecoverable loss of one eye & one limb or both eyes or both limbs. Loss of Checked in Baggage:- If the insured person suffers from total loss of baggage during the period of journey the company will reimburse the amount up to the limit of the cover as mentioned in policy documents. Delay of Checked in Baggage:- If the insured person suffers from delay in baggage for more than 12 hours from the scheduled arrival time at the international airport the company will reimburse you to purchase of replacement items up to the limit of the cover. Loss of Passport:- In case the insured person loss his passport in the journey the company will help you out and pay you the insurance amount up to the limit as mentioned in the policy documents. Personal Liability:- If the insured person becomes legally liable to pay for any accidental physical damage or accidental damage to third party due to any incident happens during the period of journey, company will pay you for that up to the limit of cover as mentioned on policy documents. Overseas Mediclaim Insurance policy for Business and Holiday: Mediclaim Insurance Policy offered by New India Assurance is exclusively designed for the persons who frequently visit abroad due to their business trips or whosoever travelling to foreign to spend their holidays. This policy covers Medical expenses due to sickness, accidents or any other miss happenings during your business or holiday trip. This policy also covers the loss incurred by reason of loss of baggage or loss of passport during the trip. CFT cover is available only for corporate clients or clients of their registered firms for the period of one year depending on the duration of trip not exceeding 60 days. Initially the coverage for 180 days will be provided under Business and Holidays Plan. To which the extension is allowed on submission of proof of good health. Overseas Mediclaim Insurance policy for Employment and Studies: New India Assurance overseas mediclaim policy is designed to suffice the need of persons who are temporally residing in foreign countries for the purpose of their employment or for pursuing higher studies or those who are involved in some research projects. This policy is solely designed for Indian citizens who are temporally residing in another country. IMP: During the period of insurance, Contingency insurance up to 750 US Dollars, provided to the students for each month of completion of study. How to Claim: You need to contact M/S to intimate APRIL USA ASSISTANCE INC. at their emergency centres presenting worldwide. Fill the claim form provide the necessary proof and documents and all your expenses will be reimbursed. Exclusions: If insured is suffering from any disease or had suffered in the past whether known or unknown are not covered under the policy. If travelling against the advice of his doctor. If travelling for any medical treatment or routine check-up. First USD 100 is to be borne by the insured person for all claims. Expenses related to maternity or pregnancy is not covered. If the insured person is drug addict or self injured or suicide clause, no claim will be entertained. If the insured person participated in any war, nuclear explosion etc no claim will be entertained.

Travel insurance helps the policyholder to cover their sum insured money or cost to cover all expenses when you are lost things or damages caused due to accident or diseases when you are you travelling, the insurance company will pay expenses to hospital expenses or loss of the thing.

Comparing travel insurance policies is crucial because it ensures that you get the best coverage tailored to your specific needs and budget. Each travel insurance policy differs in terms of coverage limits, exclusions, deductibles, and additional benefits. By comparing policies, you can identify the features that are most important to you, such as trip cancellation coverage, medical emergency assistance, baggage protection, and travel delay benefits. This comparison allows you to make an informed decision and select a policy that provides comprehensive protection for your travel adventures, giving you peace of mind throughout your journey.

 
Generally, travel insurance policies may provide for a premium refund if your travel plans are canceled and you can provide proof of the cancellation. However, when travel is cut short, whether you can get a refund depends on the specific conditions outlined in your policy. Some policies may allow refunds under certain circumstances, while others may not. It’s essential to thoroughly review your insurance document to understand if such a provision exists and, if so, the conditions under which it applies. This will help you know your rights and options in case of unexpected changes to your travel plans.

You must check up with the insurer and/or the agent or broker about medical tests required and reports that are required to be submitted along with the duly filled-in proposal form. Check up about the validity period of such reports as well—normally reports within three to four weeks prior to departure are required.

The short answer is no, as travel insurance is not always mandatory for international travel.

Yes, travel insurance often covers flights as part of its coverage. Here are some common scenarios where travel insurance may cover flights:

  1. Trip Cancellation or Interruption: If you need to cancel or interrupt your trip due to covered reasons such as illness, injury, or a death in the family, travel insurance can reimburse you for the non-refundable portion of your flight tickets.

  2. Flight Delay: Travel insurance can provide coverage for expenses incurred due to flight delays beyond a specified time limit, such as meals, accommodation, and transportation.

  3. Missed Connection: If you miss a connecting flight due to a covered reason, travel insurance can cover the costs of rebooking onto another flight.

  4. Trip Disruption: In case your trip is disrupted due to unforeseen events like natural disasters or political unrest, travel insurance may cover additional costs for rearranging flights or returning home early.

  5. Flight Accidents: Some travel insurance policies include coverage for accidental death or injury that occurs during a flight.

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