Travel Insurance: Make Your Overseas Travel a Complete Success

Written on Thursday, December 17, 2015
By Mukesh Kumar- Executive Director, HDFC ERGO

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Travelling is essential to human beings. We travel to study, we travel for work, we travel for leisure and we travel to meet our dear ones. We travel short distances and we travel long distances. We use different means of travels like car, bus, train, plane or ship. All these means of travel come with their own set of risks that must be controlled in order to have a meaningful and safe travel. Travel Insurance is the tool that covers the risks that one is likely to face while travelling, especially to the foreign lands, where the travel related risks are relatively higher.


To make sure that your overseas travel is a complete success, Travel Insurance is an absolute necessity. Your trip abroad should be without hassles and worries, and a comprehensive Travel Insurance policy provides you just that. Whether you lose your baggage or passport, or even need some medical support on your trip, overseas travel insurance will make sure you get what you need. Go on your vacation without any worries in the back of your mind, buy a travel insurance policy.


Consideration the specific requirements of individual travellers, a wide range of plans are available in the market that offers you great coverage for your specific needs. You do not need to rely on standard insurance plans. You are not even required to combine policies that cover different risks to get adequate and appropriate coverage. You can buy a single comprehensive policy in order to cover all your risks. Most Travel Insurance policy comes with customization, so that you can add or remove components from your base policy, if you think you do not require them.


Multi-Trip Vs. Single-Trip


For one-time travel, an individual travelling overseas can opt for a Single-Trip policy. This policy offers you a good cover against numerous unforeseen and unfortunate events and happenings. Available for individuals, couples, families and groups, this type of insurance plan can be customized depending upon your specifications and preferences. It offers medical cover, emergency medical cover, trip cancellation cover, missed departure cover, personal accident cover and third party liability cover.


Annual Multi-Trip Travel Insurance policy is best suited for those who travel frequently all over the world. Available for both, business travellers and leisure holiday travellers, this type of insurance plan offers complete coverage for the entire year and at very affordable prices. Annual Multi-Trip policies are relatively costlier as compared to Single-Trip policies, but they work out much cheaper if you were to consider Single-Trip Travel Insurance policy every time you travelled overseas. Also, you will find that it is much cheaper than combining individual policies offering different types of coverage. The benefit of this type of policy is that you don’t need to buy insurance every time you travel. It offers you coverage for 365 days a year for unlimited number of trips. Depending upon your requirements and specifications, you can further customize the policy and get exactly what you have been looking for.


General covers available across Travel Insurance plans offered by Indian insurers are:


-Emergency Medical Expenses

-Emergency Dental Expenses

-Hospital Cash

-Accidental Death and Permanent Total Disability

-Flight delay

-Loss of Baggage and Personal Documents

-Loss of Checked Baggage



#Insurance is a subject matter of solicitation. Read offer document carefully before opting for a plan. 

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