Bharti AXA TRAVEL INSURANCE Single Trip Travel Insurance Single Trip Travel Insurance “Travel makes one modest. You see what a tiny place you occupy in the world.” – Gustav Flaubert What comes to your mind when you hear the word travel – a chance to meet people? Instagrammable pictures? Fun and relaxation? All good things, right? While travel is one of those activities that offer relaxation and peace of mind, certain events can, at times, hamper all the excitement. To make the most of the vacations, buying travel insurance makes all the sense. Many people think that buying international travel insurance is a tedious task. The reality is that it isn’t. Buying international travel insurance is as easy as booking flights. However, you will have to decide whether you wish to go for an annual multi-trip insurance or single trip travel insurance. If you are someone who plans an annual international vacation and explores new places in one trip, buying a single trip travel insurance makes sense. When compared to other travel insurance plans, single trip travel insurance is cost-effective. It covers you for the entire trip duration and is valid for the specified travel dates only. You can buy a single trip travel insurance depending on the country you are planning to visit – it can be a Schengen or non-Schengen country. When your trip is insured with an international travel insurance, you will be free from worries while making the most of the time in hand. Let’s see what all is covered under an international travel insurance for a single trip. What Is Covered Under Single Trip Travel Insurance? Medical Expenses Incurring a medical expense when in a foreign country could be one of the biggest nightmares coming true. The cost can easily burn a hole in your pocket while shattering the budget of the trip. Travel insurance ensures that all the medical cost, including emergency medical evacuation and dental care expenses like acute anesthetic treatment of teeth, are covered. Personal Accident Travel insurance is the best bet to keep you protected from the cost that can arise due to an accident. International travel insurance covers accidental bodily injuries, death caused in an accident, permanent or partial disablement due to an accident. To ensure that your budget is utilized prudently on things planned, you must carry a comprehensive travel insurance plan that covers personal accident. Hospitalization Daily Allowance In case you are required to get hospitalized during the trip, with a travel insurance, you will get a daily allowance. International travel insurance plans offer daily allowance in case of hospitalization. The compensation is made for the number of days specified in the policy document. Loss / Theft Of Passports & Documents The entire process of getting a temporary passport in case of loss or theft is not just tedious but can also cost you big. We are not saying that you should get careless with your passport and documents but having travel insurance by your side can help you in taking care of the cost incurred while arranging the duplicate documents. Cover Against Trip Cancellation Trip cancelation due to an event like a medical problem or natural disaster can prove to be a costly affair due to the cancellation charges at the end of airlines and hotels. Travel insurance offers compensation to a limit of sum insured. So, if in case you are not able to take that trip even because of a personal employment problem, travel insurance will ensure that you don’t experience a dent in your pocket. Urgent Accommodation In Case Of Emergency If you are not able to stay in the original accommodation booked by you due to explosion, hurricane, earthquake, storm, flood or fire, you will be reimbursed for the alternate accommodation cost through your travel insurance. Keep all the documents safe to file a successful reimbursement after you are back from the trip. Distress Allowance If Plane Is Hijacked In case if there is a hijack and you are stuck in the carrier for a certain number of hours, your travel insurance will reimburse you for the distress caused. Highjack is a situation no one wants to encounter as it causes mental distress that can stay with you all your life. Though travel insurance can’t compensate for the same, it can surely provide some relief. Loss Due To Home Fire Worrying about your home back in India is the last thing we want you to do. Travel insurance covers you for any loss or damage incurred to your belongings caused by fire. The compensation amount is limited to sum assured and is covered subject to policy conditions. So, with travel insurance by your side, you can travel worry-free and enjoy your vacation abroad. What Is Not Covered Under Single Trip Travel Insurance? Cosmetic Surgery You must know that your single trip travel insurance wouldn’t cover any cost related to cosmetic surgery, whether done to enhance beauty or for a scar you got during an accident. Travel insurance only covers emergency hospitalization costs and that incurred due to personal accident. Any form of beauty enhancement while on a trip is not covered in travel insurance. Self-Inflicted Injury Travel insurance doesn’t cover anything related to self-inflicted injury. Coverage of loss due to alcoholism, suicide, and depression are not covered in travel insurance plan. Any claim found out to be a result of any such activities will be subject to rejection. Participation In Warfare Those involved in naval, military, or air force operations are not issued travel insurance. So, if you are someone who works for any of these, you won’t be issued a policy. Performing Risky Sports Adventure sports form an important part of vacation for many of you. However, participation in any of the risky sports like mountaineering is not covered under the international travel insurance policy lest specifically agreed and stated in the policy document. If you are planning to participate in any of the risky sports, explicitly mention the same at the time of buying the policy. Non-Allopathic Treatment Though travel insurance covers medical expenses and hospitalization costs, it doesn’t cover anything that includes ayurvedic, unani, yogic, or homeopathic treatment. Read the policy documents carefully to know more about the exclusions in this case. Medical Expenses Due To Unproven Treatment You must know that travel insurance does not offer any coverage for expenses incurred during any unproven or experimental treatment. If you need to be treated abroad, opt for a proven treatment methodology for a successful compensation against the policy. Participation In Illegal Activity If you happen to engage in any criminal activity or take up any hazardous occupation while on a trip abroad, any harm caused to you in such cases is not covered under single trip travel insurance. Limitations In Medical Expenditure If you are hospitalized for a pre-existing condition during the trip, daily allowance won’t be provided. Read the travel insurance documents carefully to know what all pre-existing conditions are not covered. It is always better to be informed about such things so that you can keep ample money to tackle such situations with hampering the budget of the trip. Treatment That Could Be Delayed Until Return No coverage is provided under travel insurance for treatment that can be delayed until you are back to your homeland. If the emergency service provider states that there will be no harm to your health even if the treatment is delayed until return to India, no coverage is given. Tips To Save Money While Buying Single Trip Travel Insurance Buying an international travel insurance is necessary to safeguard against any unfortunate situation overseas. Be it a health problem or an accident – travel insurance will be a boon in such times. However, it is important to keep a track on what you are paying for your single trip travel insurance. It’s is entirely possible to spend more than actually required – so follow these tips and make an informed choice. Skip the travel agent – To get the best deal, buy from the insurance provider at their website rather than going to a travel agent or aggregator. You will far better price for the travel insurance and even get more covers. Buying directly from the insurance provider will come out a lot cheaper. Buy Only What You Need – If you don’t travel internationally on a regular basis and will only make a single trip in a year – buying a multi-trip travel insurance is of no use to you. Instead, get a single trip travel insurance and avoid buying more than what you need for the intended trip. Remember the tips mentioned above to save money on single trip travel insurance. Always read the benefits you are getting versus what you are paying for to make your decision easy. Steps To Buy Single Trip Insurance Policy Online Step 1 – Choose your travel destination: USA or Canada Schengen Countries Asian Countries Rest of the World Step 2 – Enter Your Date of Departure, Date of Return and Age Step 3 – Add Traveler(s) Step 4 – Choose Single Trip Travel Insurance Step 5 – Enter Your Email ID and Mobile Number Step 6 – Check ‘I Agree to Terms & Conditions’ and then Click on ‘Get Quote’ to buy your travel insurance Frequently Asked Questions On Single Trip Travel Insurance Till when is the single trip travel insurance valid? Like any other insurance cover, your single trip travel insurance terminates: (a) at the end of the international travel insurance period – the period for which the insurer has paid the premium or (b) from the date of departure to the date of return; however, an extension of the policy might be possible if the delay was because of failure of transportation or on other services which the insured was reliant on. Do I need to carry the policy along with me? Yes, you are advised to carry your international travel insurance policy along with you when traveling overseas. It would be easier to make a claim if a situation like that arrives. The policy details such as policy number of travel insurance must be known to the insured. What if I lose my baggage how do I claim? Contact at our toll free number at earliest to register the claim if you lose your baggage. You will need to submit the loss baggage claim form along with the supporting documents from the airline and your travel insurance policy. Is single trip insurance good for me if I travel for most of the year? If you travel most of the year, single trip travel insurance will definitely not suffice your requirements. You need to buy a multi trip international travel insurance for the number of days you will be in any given country per trip. Buy travel insurance that offers maximum benefits and covers all trips equally. For multiple trips in a year, buy multi trip travel insurance to safeguard your journey. Are children and senior citizen covered in single trip travel insurance? Yes, both children and senior citizens are covered under the single trip travel insurance policy. Children from the age group of 3 months aand senior citizens till the age of 85 years are covered. What kind of medical cover is provided by single-trip travel insurance? A lot of different types of medical expenses are covered under the travel insurance policy. Medical Expenses inclusive of Repatriation and Emergency Medical Evacuation and Dental Treatment All expenses including repatriation and emergency medical evaluation are covered. Even dental care expenses such as acute anaesthetic treatment of teeth is covered. Payment of daily allowance (not in case of pre-existing conditions) for the number of days that the insured person is hospitalized beyond the specified number of days mentioned in the policy document. 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