Frequently Asked Questions

Frequently Asked Questions

How can I renew my policy?

Policy can be renewed only in respect to Annual Multi-trip Policies. You can contact us at 080- 49010200 for more information.

Can the policy be extended?

The policy period can be extended only for Non-Schengen Products. For extension, you can contact us at 080- 49010200.

What is a deductible?

It is the deductible amount that has to be borne by the insured at the time of a claim. The deductible is applicable for medical expenses, dental treatment, loss of passport or documents, delayed checked baggage, hijack distress allowance, etc.

What kinds of medical coverage’s are provided?

The following medical expenses are covered: 

  • In-patient treatment in a local hospital 
  • Out-patient treatment, provided if it is critical
  • Medical aid for broken limbs or injuries if prescribed by physician
  • Pathological and diagnostic tests like X-ray, diagnostic tests, etc.
  • Dental care related to acute anesthetic treatment as a result of an accident
  • Life-saving emergency measures till the insured person becomes medically stable
  • Transportation and emergency medical evacuation
How is loss of passport, documents and tickets compensated?

In the case of a loss, we will pay the expenses incurred to obtain a duplicate or fresh passport and stolen documents.

What happens in case of delay in receiving checked in baggage?

Our travel Insurance compensates for loss and delay of the checked in baggage.

What is the process of availing cashless facility?

A Third Party Administrator (TPA) or Emergency Service Provider would service your claim and arrange among other things, cashless facility for a hospitalization treatment. Call 844-691-8883 (For Canada), 844-691-8885 (For USA) or +91 11 47324403 (For any other part of the world) anytime, when you need any assistance while traveling.

Why do I need Travel Insurance?

Traveling abroad can be for a holiday or for business purpose. During the journey, you are susceptible to many risks away from home. There can be unfavourable incidents like thefts, accidents, loss of tickets, baggage, documents, and trip cancellation. A travel insurance, in this case, becomes vital. It covers the expenses incurred in the event of loss or medical treatment. This way, a travel insurance ensures you get complete piece of time and are able to enjoy the journey completely. 

How do I benefit with travel insurance?

Overseas travel insurance protects you when you are traveling in a foreign land. The insurance covers the expenses incurred during events like flight cancellation, illness, injury , misplaced baggage, loss of passport, etc. There would be financial reimbursement offered to cover the financial risk. Emergency financial assistance would also be provided in case of loss of money due to theft or any such event. Back home, your house and contents would be protected with a home insurance coverage against fire, allied perils, and burglary.

How do I choose the best travel insurance?

While buying travel insurance online you have to select the plan that is right for you. Policy coverage, plan features, and price can be the deciding factors for you. Read the policy wordings carefully to learn what is included and excluded in your policy. If you are a frequent traveler consider an annual policy that covers multi trips. Check for coverage including:

  • Medical coverage and evacuation
  • Personal accident
  • Loss of documents & baggage
  • Trip delay and cancellation
  • Financial emergency assistance
  • Loss of Deposit or cancellation for Hotel and Airline
  • Legal expenses