What is travel insurance?

With the rise in travel, one in all the important things that travellers have to realize is Travel Insurance. This way of insurance helps cover an entire range of uncertainties and scenarios which will drain out a traveller’s finances.

Most countries require mandatory Travel Insurance while applying for a visa. But choosing the proper Travel Insurance which covers all the risks of travel is vital.

Meaning of Travel Insurance:

Travel Insurance may be a variety of insurance that covers different risks while travelling. It covers medical expenses, lost luggage, flight cancellations, and other losses that a traveller can incur while travelling.

Travel Insurance is sometimes taken from the day of travel till the time the traveller reaches back to India. Taking Travel Insurance ensures a comprehensive coverage just in case of any emergency in another country.

Travel insurance cover covid, if you’re required to be quarantined while abroad, you’ll be covered by your insurance, including any relevant medical expenses that are required, given that there’s no COVID-19 exclusion.  Also, this could be including additional accommodation and travel expenses.

Following are some of the risks covered under Travel Insurance are:

• Personal Accident Cover, which covers:
  1.Insured’s Death
  2.Permanent Total Disability
• Accident & sickness disbursement reimbursement
• Dental treatment relief
• Emergency evacuation
• Repatriation of remains just in case of death
• Baggage delay
• Loss of checked baggage
• Loss of passport
• Flight delay
• Hijack
• Home burglary
• Trip curtailment
• Trip cancellation
• Missed connection/missed departure
• Bounced hotel/airline booking

There could also be more risks covered under individual policies looking on the necessities of the traveller. The amounts to which these risks are covered depends on the policy & plan that the traveller opts for.

Travel Insurance also covers additional risks at a further premium. a number of these risks are specific to the traveller or the place the person is travelling to.

Types of Travel Insurance:

 Except for frequent travellers who travel abroad on business purposes, there’s a choice to buy a multi trip Travel insurance. Some policies last for a complete year and canopy multiple trips to a selected destination. 

Choosing such policies is far more cost effective for businessmen and frequent travellers to a selected destination.

We even have student policies which are specially designed for college students going abroad for studies at a reasonable premium. The most trip length can last from 30, 45 and 60 days.

Another style of travel policy could be a group Travel policy. A bunch policy covers 7 or more travellers. Group Travel Insurance policies are supported the age of the travellers which implies it works out more cost effective per traveller. Most travel companies choose group

Travel Insurance policies after they take groups across different countries on tours.
It is easy to choose out a policy once you recognize the Travel Insurance definition.

While planning your trip abroad, pick a Travel contract that gives exhaustive coverage with a high coverage. It’s possible to test the price of Travel Insurance on insurance aggregators and select the most effective policy.


Bank offers a spread of Travel Insurance policies through the bank’s website like Student Travel Insurance, Domestic, Senior Citizens, Family and even Individual Travel Insurance. You’ll easily select a policy that suits your need and provides the simplest value for money.

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Aryan Vaidh

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