Travel Insurance







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Travel Insurance is insurance that is intended to cover medical expenses, trip cancellation, lost luggage, flight accident and other losses incurred while travelling, either internationally or within one's own country.

Whether it’s for a vacation or for business, voyaging abroad carries with it a ton of excitement. Don't demolish it by leaving gaps for trip inconvenience when you can cover them with somewhat former planning. Generally as you make a point to pre-book your tickets and reserve convenience spot in advance, be proactive about securing your trip from the few potential dangers out there and get a Travel Insurance plan.

Aapkipolicy.com has come forward to secure you from various risks you could face on your trip. Travel insurance provides cover from interruptions like baggage delay, loss of baggage, flight delays, medical expenses and loss of travel documents, under one convenient package, at an affordable price.

Why do we Need Travel Insurance?

Travelling abroad to a foreign land entails a lot of risk. Medical expenses in foreign currency and hospitalization can be prohibitively expensive. Our travel policy covers you for all medical eventualities for just a fraction of the amount you would otherwise need.

  • Covers expenses of hospitalization, loss of baggage and other incidental expenses
  • Covers you against trip cancellation, trip curtailment and burglary of your home
  • Quick disbursement of claims
  • Global expertise matched with local knowledge
  • Innovative packages to match individual needs
  • Only insurance company with in-house international toll-free numbers and fax numbers

What are the risks covered under travel insurance?

  • Medical emergency (accident or sickness)
  • Emergency evacuation
  • Repatriation of remains
  • Return of a minor
  • Trip cancellation
  • Trip interruption
  • Visitor health insurance
  • Accidental death, injury or disablement benefit
  • Overseas funeral expenses
  • Lost, stolen or damaged baggage, personal effects or travel documents
  • Delayed baggage (and emergency replacement of essential items)
  • Flight connection was missed due to airline schedule
  • Travel delays due to weather
  • Hijacking

A typical Travel Insurance provides the following benefits.

  • Coverage for in/out patient hospitalization along with daily allowance.
  • Personal accident cover in case of permanent disability/death.
  • Coverage for contingencies related to personal possession.
  • Coverage for loss of baggage and passport.
  • Coverage for expenses related to trip delays.

Types of Travel Insurance

Domestic travel insurance

Domestic travel insurance provides coverage for medical emergencies, permanent disability and death, checked-in lost/stolen baggage, travel delay and personal liability within the country.

International travel insurance

International travel insurance provides a comprehensive coverage for medical expenses overseas, hijack, baggage and travel delays, repatriations/evacuation to India, and loss of travel documents/passport in addition to the usual coverage.

Corporate travel insurance

Under corporate travel insurance India, employers can get their employees covered for both international and domestic trips being undertaken by them.

Student travel insurance

Student travel Insurance plans provide a comprehensive coverage for expenses incurred on medical treatment, passport loss, and study interruptions to the students going abroad for studies.

Individual and family travel insurance

Individual and family travel insurance provides for the coverage against cancellation of trip, home burglary and trip curtailments.

Exclusions

The following things are usually excluded from the travel insurance cover in a typical Travel Insurance:

  • Flights/trains missed due to local protests/civil war.
  • Expenses incurred due to local protests/civil unrest.
  • Pre-existing conditions leading to hospitalization.
  • Baggage delay that is less than 24 hours.
  • Damage/loss of keys.
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