International Travel Insurance

International Travel Insurance Online

As much refreshing and exciting an international trip is, it brings with it sets of numerous challenges that are non-mitigable. Thus, while new cultures and cuisines offer a fresh breath of air to a mundane life, the trip experience needs to be financially protected. It is because international trips are replete with travel risks and the possibility of unforeseen circumstances that create huge financial liabilities. To ward off such off-sets, one needs a suitable international travel insurance policy.

So, while you experience walking in different shoes on an international trip, travel insurance abroad walks along, extending the necessary cover far beyond immediate financial liabilities. The policy is not mandatory in all countries but an essential requirement you must carry to remain financially protected from various risks and liabilities. When visiting some countries though, like countries in the Schengen region, Russia, etc., carrying an overseas travel insurance policy with specified coverage becomes necessary. Plus, given that the cost of medical expenses in a foreign land can be unnecessarily high, a suitable travel cover in place provides the necessary cushioning during health emergencies.

Why You Need an International Travel Insurance

The likelihood of various unforeseen expenses and losses arising out of certain events always remains high when travelling abroad. Below are some top reasons why you would need to buy international travel insurance policy.

1. High cost of medical facilities: When on an overseas trip, one may encounter medical emergencies needing immediate healthcare assistance. In various countries, such medical expenses can go up to 8x to 10x high, leaving the individual in a tight spot. A suitable international travel insurance policy shall provide adequately for such expenses, helping the traveller stay worry-free.
2. Loss of luggage in transit/delay in receiving luggage: Loss of luggage during transit or delay in receiving luggage can be another reason leading to significant financial losses on an overseas trip. Since the likelihood of such losses remains high, you need a suitable policy for international travel insurance India that provides for these losses.
3. Losses due to missed flights/flight delays: Another top factor implying the necessity of travel insurance overseas is the possibility of missing a flight or operator flight delay/cancellation leading to potential financial losses.
4. Loss of passport/other documents: When on an international trip, loss of passport or other critical documents can be significantly hassling. The availability of a travel cover that assists with passport reissue and replacement can be a lifesaver in such scenarios.
5. Unfortunate demise or disability: The unforeseen circumstances of an overseas trip may lead to the unfortunate demise/disability of the policyholder, needing repatriation/assistance. With the best international travel insurance India, these emergency needs are provided for.

What is Covered by International Travel Insurance

An international travel insurance policy comes with extensive coverage benefits that provide financial protection against a range of risks and possible financial losses thereto. With the best travel insurance for international travel, the following coverages are available.

• Coverage for medical/healthcare emergencies: If an individual encounters a medical emergency needing immediate assistance, a good foreign travel insurance policy provides for it extensively. The assistance can include multiple facilities, right from cashless healthcare support to the cost of medical consultation, hospitalisation, cost of evacuation/transportation during medical emergencies, etc.
• Coverage for travel losses: A good out of country travel insurance policy shall also provide financial coverage for losses related to the journey, like passport or checked-in luggage loss, flight delays, trip cancellations and more.
• Support related to on-trip inconveniences: One may also encounter various on-trip inconveniences needing immediate global support during an overseas trip. These may include passport replacement, coordination related to luggage recovery, hospitalisation, on-call ambulance, on-ground medical teleconsultation, etc., which are covered under good travel insurance for international visitors.

These coverages can vary based on the type of policy you spend on. With top overseas travel insurance companies in India on MakeMyTrip, you can not only avail of personalised coverage but also get extended benefits that are cost-efficient as well as Visa-compliant.

Types of Overseas Travel Insurance

Some top types of overseas travel insurance India that provide dedicated coverage and make your policy selection easy include the following.

• Individual travel cover: These policies are suitable when travelling globally as an individual. Many times, you can avail of this type of travel insurance if already overseas. Individuals going abroad whether for leisure or business can secure their peace of mind with this type of travel cover. It ideally includes both emergency medical and other coverages.
• International travel cover: Travel insurance plans international coverage comes with a spectrum of sum insured options one can choose from as per their suitability. Coverage benefits under this policy can vary based on the requirements of the traveller, making this a great policy type for travel insurance living abroad. These policies are available for maximum international destinations and come with different coverage types under the same policy, making them a comprehensive plan type.
• Student travel cover: Under a student travel cover, most risks related to students undertaking higher education overseas and possible financial losses thereto are covered. A study abroad travel insurance policy is usually customised to cover the financial emergencies of students across most global locations.
• Medical travel insurance policy: With a medical travel cover, all expenses related to healthcare emergencies when abroad are looked after. Irrespective of whether you are on a business trip or visiting for leisure travel, medical international travel insurance comes to the rescue.

Why You Should Choose MakeMyTrip for International Travel Insurance

You have an option to choose from numerous foreign travel insurance providers in India when seeking international travel coverage. However, some factors set MakeMyTrip apart, making it your preferred provider of travel insurance abroad.

Here’re all the reasons to choose MakeMyTrip for your next international travel coverage.

• Easy online availability at any time from anywhere
  With the platform, you can avail of overseas travel insurance online at any time and from anywhere. Once purchased, the policy is generated instantly.
• Simplified and quick claim processing and digital settlement
  The foreign travel insurance providers India featured on MakeMyTrip ensure quick processing of claims so that emergency international inconveniences are provided for in real-time. Also, settlement is provided digitally, encompassing physical barriers.
• Customised international travel insurance quotes to choose from
  You can choose from numerous quotes of overseas travel insurance with different coverage levels and annual coverage for multiple trips.
• On-call travel assistance
  With overseas travel coverage from the platform, you can drop your woes regarding unnecessary hassles during flight delays, cancellations, luggage loss, medical emergencies, etc. On-call travel assistance is available on the go with travel experts accessible 24x7 to facilitate coverage benefits.
• Visa-compliant coverage
  In case a country needs a mandatory travel insurance policy for international visitors needing visa approval, MakeMyTrip also ensures coverage benefits that are visa-compliant. Some countries needing mandatory travel insurance abroad include the Schengen Area, the United States of America, Russia, Saudi Arabia, the UAE, Cuba, Qatar, Turkey, Lebanon, Ukraine, etc.
• Competitive international travel insurance price
  The international travel insurance policies also come with competitive, budget-friendly pricing and value for money. You can compare the premium-coverage gap from other policy providers, which the platform narrows down significantly.
• Worldwide cashless hospitalisation network
  You can also benefit from quick healthcare assistance during medical emergencies abroad with a wide network of healthcare facilities available worldwide to provide cashless hospitalisation.
• A high claim settlement ratio
  An easy and quick claim settlement via the platform with its record of a high claim settlement ratio at 99% makes policy claims easy and reliable for customers.
• Comprehensive travel and medical coverage plans
  Various comprehensive international insurance plans are available with both travel and medical coverage under a single policy.
• 24x7 customer helpdesk support
  Policyholders can also access the 24x7 customer helpdesk support provided by Tata AIG for any policy or claim-related queries or complaints.

Documents Required for International Travel Insurance

Indians need to provide a handful of essential documents when purchasing an international travel insurance policy. Take a look!

• A copy of your Indian passport
• A copy of booked flight tickets to and from the international destination/s
• Proof of identity like PAN or any other government-issued photo identity proof
• A detailed travel itinerary

How to Buy International Travel Insurance Online

Below is your guide on a few easy steps to complete when buying international travel insurance online with MakeMyTrip.

1. On the official website/app of MakeMyTrip, navigate to the ‘Travel Insurance Online’ page.
2. Enter the country name as your planned trip destination, provide the journey dates and choose the number of persons travelling. Then, click on ‘View Plans’.
3. You would then need to log in with your phone number/email ID if you haven’t yet and based on your selected itinerary, you can choose from a number of individual/comprehensive international travel insurance plans displayed with their premiums payable.
4. Once you have checked policy inclusions and exclusions, select your coverage.
5. Next, provide personal details, travel details and details of any companions and submit necessary documents.
6. You can then pay the premium amount online and complete the policy purchase.

Once the policy purchase is complete, your international travel insurance policy document shall be generated immediately and sent to you via email. Coverage under the policy shall activate during the mentioned trip duration and you can make eligible claims as and when needed on the trip.