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COVID-19 coverage
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What is Travel Insurance ?
A plan that offers a financial shield while travelling is known as travel insurance. It offers an umbrella of assistance services and coverage during health issues encountered while travelling. You can opt for travel insurance in India or abroad, making this financial instrument useful for both domestic as well as international trips. The financial burdens that a travel insurance policy can protect you from include issues such as loss of baggage as well as unforeseen emergencies such as a medical emergency or unforeseen flight cancellation among other things
Features and Benefits of Travel Insurance
When it comes to the quintessential question of “why it is important to have travel insurance”, there are various dimensions to explore. The core features and the consequent benefits of owning a travel insurance policy are as follows:
  • 1. Medical Emergencies and Hospitalization Travel insurance provides coverage against healthcare expenses that may arise due to sudden illness or health issues or meeting with an accident in a foreign land during the travel. Thus, it is vital for every traveller flying abroad to have adequate insurance coverage to extend financial support during any medical emergencies
  • 2. Medical Evacuation Covers all costs incurred for any emergency transportation and evacuation services, to transfer you to an appropriate medical facility within Insurance company’s network
  • 3. Trip Cancellation & Interruption Covers financial loss incurred out of cancellation of your trip due to an unforeseen event arising due to specified manmade or natural situations
  • 4. Personal Liability Covers expenses against legal liability for bodily injury or property damage that occurred accidentally to third parties during your trip
  • 5. Daily Allowance in case of Hospitalization Pays a specific amount per day in case of hospitalization to meet numerous allied expenses such as attendant’s meals, transportation and communication incurred, which are generally not covered under the Policy. It pays you if the hospitalization is for over two consecutive days, for a defined period by Insurance company
  • 6. Loss of Checked-in Baggage Covers expenses for your checked-in baggage that you lost while in custody of the Common Carrier.
  • 7. Delay of Checked-in Baggage Covers expenses in case of a delay in receipt of the checked-in baggage beyond 12 consecutive hours.
  • 8. Loss of Passport Covers expenses for the issue of a new or duplicate passport in case you lose your passport
  • 9. Accidental death and dismemberment In case of death or disability arising due to an injury sustained during the trip, the policy will pay as per the limits specified in the policy
  • 10. Up-gradation To Business Class Compensates for up-gradation to business class for return air travel, in case of hospitalization for over five consecutive days, due to injury sustained whilst on a trip

    Some companies also cover any hospitalization expenses incurred due to covid when you are travelling.
Types of

Travel Insurance

Online in India
Depending on where and how you are planning to travel, the type of travel insurance that you need to opt for can vary. There are several types of insurance policies for someone looking to go on a trip, whether it be alone or with a group, regional or international. Here are some of the core types of policies that you can choose from:
  • 1. Domestic Travel Insurance As the name suggests, domestic travel insurance policies are specifically for travellers who are planning a trip within the confines of their own country. In this case, some of the core coverage options offered by the plan include baggage loss, medical emergencies and other unexpected expenses that may arise while travelling to destinations within the policyholder’s home country
  • 2. International Travel Insurance These are special types of travel insurance plans that are applicable for policyholders travelling outside their native country. There are certain coverage options available within the purview of such types of plans that tend to offer financial protection against circumstances that tend to be especially crucial when travelling abroad. Some of the special coverage options involved in such types of policies include financial protection against flight hijacking and repatriation to native country, among other aspects
  • 3. Group Travel Insurance/Corporate Travel insurance Policy In the case of corporate outings and business trips within the country or abroad, opting for travel insurance plans for each individual can easily become a cumbersome process. Hence, in such cases, group travel insurance is especially applicable. These types of insurance plans are usually purchased by the employer for their employees and allow management of unforeseen expenses without having to face highly compounded premium rates which might arise due to individual purchase of policies
Different Plans available with Travel Insurance
  • 1. Single Trip Travel Insurance Purchasing a single trip travel insurance plan allows you to enjoy the financial protection offered by the policy only for a single trip. During the time of the trip, the policy maintains its validity and as soon as your travel ends, the plan is considered to be null and void
  • 2. Multi-Trip Travel Insurance Multi-trip travel insurance policies are applicable for more than one trip and offer financial protection for extended periods, often covering all trips within a stipulated time frame, such as a year. In this case, you do not need to constantly buy a new policy whenever you travel
Travel Insurance Claims Process
  • STEP 1 Get in touch with the insurer through email or via phone call and inform them about their desire to file a claim or call the Elephant Relationship Manager if you purchased the policy through us.
  • STEP 2 Once the insurer is informed of the want to claim on the part of the policyholder, they will inform you of certain documents that are to be submitted to support your claim. The documents involved in such circumstances might vary largely depending on the underlying reasons for filing the travel insurance claim – such as cancelled flight ticket, hospital bills, etc
  • STEP 3 The document thus mentioned by the insurer are to be sent via mail, fax or post by the policyholder
  • STEP 4 Once the documents are submitted, they will be verified by the insurer against the coverage terms mentioned in the policy. If everything checks out, it should be smooth sailing for you
Help Section/FAQ:

In case of certain countries, the visa procedures involve mandatory travel insurance purchase. However, for domestic trips there is no compulsion to avail a travel insurance plan before travelling. At the same time, opting for a travel insurance plan is a responsible move as it can help you in times of emergency and save you from unnecessary expenses.

The coverage offered by travel insurance plans are specifically for emergency situations only. Any pre-existing conditions prevailing are treated as an exclusion by most of the companies. However there are a few insurance companies who cover pre-existing conditions.

Yes, presently as per the prevailing guidelines of IRDAI, all the insurance companies are supposed to cover COVID 19 expenses insured by the client till the extend of hospitalization cost provided the customer is hospitalized for more than 72 hours.

There are specialized travel and health insurance plans for COVID-19 which we suggest you purchase if you are planning to travel during the pandemic. At the same time, there are certain insurance plans that have included COVID-19 treatments as a part of their normal plans as well. Make sure you do your research before opting into any plan.

Health insurance and travel insurance vary in certain very specific areas. In essence, travel insurance plans offer coverage above and beyond medical emergencies, such as for flight cancellation, baggage loss, repatriation, trip interruption and so on. Moreover most of your Health Insurance plans will cover you only if you get treated in India Select a travel insurance plan over a health insurance policy if you want to safeguard yourself from the financial burden of these unforeseen circumstances while travelling.
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