Category hub
Travel Insurance
Medical emergency abroad, baggage loss, trip cancellation — what travel insurance covers, what it skips, and how to claim.
Travel insurance is a short-duration indemnity policy that covers a defined set of travel-related risks — medical emergency at the destination, trip cancellation and curtailment, baggage loss or delay, flight delay, loss of passport, and liability. For international travel, the medical component is usually the most important reason to buy; a single overnight hospitalisation in North America or Western Europe can cost more than the entire annual premium of a large family floater in India.
Several Schengen, UK, and US visa processes require proof of travel medical insurance with a minimum sum insured (typically US$50,000 or €30,000) before a visa is issued. Travel insurance policies are usually priced by destination zone, age, trip duration, and any pre-existing conditions you declare.
Domestic travel insurance is a smaller market in India and often overlaps with credit-card or booking-platform bundled cover. Read the certificate of insurance (COI) carefully — the free cover is often zero on pre-existing conditions, zero on emergency evacuation beyond a small limit, and has tight trip-cancellation exclusions.
What you'll learn on this hub
- How zonal pricing works across Schengen, North America, Asia, and worldwide policies
- Which medical events are covered versus excluded (pre-existing, adventure sports, war)
- How to trigger a medical claim abroad — assistance helpline, cashless network hospital, documentation
- Baggage loss vs baggage delay — claim calculus and deductibles
- Trip cancellation — covered reasons, documentation, and indirect-loss exclusions
- Passport loss — reporting, replacement, and reimbursement scope
Claim guides
- Travel insurance baggage-loss claim
Property irregularity report, airline vs insurer claim, and what gets excluded.
- Travel insurance medical emergency
Calling the assistance helpline, cashless abroad, and the documents you bring home.
- Trip cancellation claim
Covered and excluded cancellation reasons, documentation, and the indirect-loss pitfall.