TRAVEL INSURANCE

Travel Worry-Free with Comprehensive Travel Insurance

“Protect yourself from unexpected mishaps during your trips.”

Travel insurance is a comprehensive safety net that protects you from unexpected events during your trips, whether for leisure, business, or education. It offers financial coverage against unforeseen circumstances like trip cancellations, medical emergencies, lost luggage, flight delays, or passport loss. 

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  • TRIP CANCELLATION AND INTERRUPTION COVER
  • PERSONAL LIABILITY COVER
  • REIMBURSEMENT OF NON-REFUNDABLE PREPAID PAYMENTS
  • CASHLESS HOSPITALIZATION

Why Should You Get Travel Insurance?

"Medical Emergency Coverage"

Covers expenses for medical treatment, hospitalization, and emergency evacuation while traveling abroad or domestically.

"Trip Protection"

Safeguards your investment by compensating for trip cancellations, interruptions, or delays due to unavoidable circumstances.

"Luggage and Document Safety"

Reimburses costs for lost, stolen, or delayed baggage and provides assistance for misplaced travel documents like passports.

"Mandatory in Some Countries"

Many countries require visitors to have travel insurance, especially for visa approval.

Travel Smart: Here's What's Covered

Trip Cancellation and Interruption Cover

Trip Cancellation and Interruption Cover is a key feature of travel insurance that provides financial protection if unforeseen events disrupt your travel plans. Here’s how it works:

Trip Cancellation*

This applies when you need to cancel your trip before it begins due to unavoidable circumstances. The policy reimburses prepaid, non-refundable expenses such as:

  • Flight tickets
  • Hotel bookings
  • Tour packages

Common Reasons Covered:

  1. Medical Emergencies: Serious illness, injury, or death (you or an immediate family member).
  2. Natural Disasters: Floods, earthquakes, or severe weather making travel impossible.
  3. Job-Related Issues: Loss of employment or work-related emergencies requiring you to cancel plans.
  4. Legal or Government Issues: Jury duty, travel bans, or visa refusals.

Trip Interruption*

This applies when your trip is cut short after it has begun due to unexpected circumstances. It reimburses unused trip costs and additional expenses to return home, such as:

  • Transportation costs for returning early.
  • Non-refundable bookings for the unused portion of the trip.

Common Reasons Covered:

  1. Medical Emergencies: Unexpected illness, injury, or death requiring you to return home.
  2. Family Emergencies: Sudden death or illness of a family member back home.
  3. Natural Disasters: Floods, storms, or earthquakes at your destination.
  4. Travel Interruptions: Flight cancellations or political unrest at your destination.

Key Benefits*

  • Protects your financial investment in travel.
  • Reduces stress during unexpected events.
  • Covers additional costs for rebooking or returning early.

Exclusions*

  • Cancellations due to non-covered reasons like change of mind or poor planning.
  • Known risks (e.g., traveling during a declared natural disaster).
  • Cancellations due to visa rejections, unless explicitly covered.

Personal Liability Cover is a crucial feature of travel insurance designed to protect you financially if you are held legally responsible for accidental damage or injury caused to a third party during your trip.

 

What It Covers*

  • Third-Party Bodily Injuries:

    • If you unintentionally cause injury to another person (e.g., an accident while cycling or knocking someone over), the policy covers their medical expenses.

  • Property Damage:

    • If you accidentally damage someone else’s property (e.g., breaking a hotel’s furniture, damaging a rental car, or spilling water on someone’s laptop), the cost of repairs or replacement is covered.

  • Legal Costs:

    • Covers legal fees or court expenses if you are sued for the accidental harm caused to a third party.

What It Does Not Cover (Exclusions)*

  • Damage or injury caused intentionally.
  • Incidents involving illegal activities or violation of laws.
  • Damage to your own property or belongings.
  • Liability arising from professional activities or business operations.
  • Accidents while under the influence of alcohol or drugs.

Key Benefits*

  • Financial protection against unforeseen legal liabilities.
  • Peace of mind during your trip, knowing you’re covered for accidental damages or injuries.
  • Avoidance of high legal and compensation costs abroad, where laws may differ significantly.
  •  

This feature of travel insurance provides financial protection for prepaid expenses that cannot be recovered if your trip is canceled or interrupted due to covered reasons. It ensures you don’t lose money on your travel bookings if unexpected events disrupt your plans.

What It Covers*

  1. light Tickets:

    • Refunds for non-refundable airfare if your trip is canceled or delayed.

  2. Hotel Reservations:

    • Covers prepaid accommodation costs that the hotel or booking platform won’t refund.

  3. Tour Packages:

    • Reimbursement for pre-booked tours, activities, or cruises.

  4. Other Travel Services:

    • Includes prepaid car rentals, event tickets, or any other non-refundable travel-related bookings.

When You Can Claim*

  • Medical Emergencies: Illness, injury, or death (you, a traveling companion, or immediate family).
  • Natural Disasters: Hurricanes, earthquakes, or floods at the destination.
  • Personal Events: Jury duty, loss of employment, or other covered personal circumstances.
  • Government Advisories: Travel bans or advisories affecting your destination.

How It Works*

  • Cancellation Due to Covered Reason:

    • File a claim with supporting documents (e.g., proof of cancellation, receipts).
    • The insurer reimburses the non-refundable portion of the payments.

  • Interruption Mid-Trip:

    • The policy reimburses the unused portion of your bookings if you have to cut your trip short.

Exclusions*

  • Cancellation due to reasons not covered by the policy (e.g., change of mind, incomplete travel documents).
  • Refundable expenses that can be claimed from the travel provider.
  • Costs exceeding the policy’s reimbursement limits.

Cashless hospitalization is a key feature of health and travel insurance that allows you to receive medical treatment at a network hospital without paying upfront.

How It Works *

    • Emergency or Planned Hospitalization:

      • If you experience a medical emergency or require hospitalization while traveling, visit a network hospital partnered with your insurance provider.

    • Contact the Insurer:

      • Inform your insurance provider’s 24/7 assistance team about your situation.
      • Provide your policy number and other details for verification.

    • Direct Settlement:

      • The insurer coordinates directly with the hospital to cover medical expenses, ensuring you don’t have to pay upfront.

What Is Covered?*

  • Emergency Medical Treatment:
    Covers costs for accidents, illnesses, or injuries requiring immediate attention.

  • In-Patient Care:
    Includes doctor’s fees, medication, diagnostic tests, and room charges during hospitalization.

  • Pre-Approved Treatments:
    Planned treatments or surgeries during your trip, if pre-approved by the insurer.

How to Use Cashless Hospitalization*

  • Check the list of network hospitals in your travel destination.
  • Carry your insurance card and emergency contact numbers while traveling.
  • Inform the hospital of your insurance provider for direct billing.
  •  

Exclusions*

  • Treatment at non-network hospitals (unless explicitly covered).
  • Pre-existing medical conditions, unless included in the policy.
  • Non-emergency outpatient treatments or elective procedures.
  • Hospitalization arising from illegal activities or reckless behavior.
  •  

How to Get Insured in 3 Simple Steps

1.Compare Plans:                                       Choose the one that matches your needs.

2. Get a Quote:                                           Fill in your details for a personalized       premium.   

3. Make Payment:                              Complete the process and receive your policy instantly.

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