The Need For Travel Insurance
Planning an international trip can be both enjoyable and overwhelming. This is because there are several factors that an individual must consider for their foreign tour, whether they are going on a solo trip, a business visit, a family trip or a vacation.
The most critical factors are budget, destination planning, accommodation arrangements, flight tickets, etc. But apart from these, travellers must also consider aspects like travel insurance. Although it’s an additional expense, the same can significantly help during your trip.
Individuals can look at every aspect related to travel insurance in this write-up, such as what travel insurance is, how to get travel insurance, and for which countries travel insurance is mandatory. Also, some of the essential FAQs are mentioned.
What Is A Travel Insurance?
Travel insurance refers to coverage that protects you financially in case of any unexpected circumstances during your trip. Travel insurance can cover all expenses, such as medical emergencies, luggage loss and flight cancellations. While you may have to spend money on these things, having travel insurance will waive these costs.
Why Do You Need A Travel Insurance?
During any international trip, you may face some unexpected issues. These can be events, incidents, or luggage loss. In such cases, you will have to manage the expenses for these losses from your pocket, but if you have travel insurance, these expenses will no longer burn your pockets.
Importance Of Travel Insurance
A traveller needs to have travel insurance because it can help you financially in any unforeseen conditions, especially when you are in a foreign country and unfamiliar with the customs and services there. You can also look at other important aspects of travel insurance.
- Travel insurance acts as a shield against your financial loss during the trip.
- Travel insurance is enough to cover your health care bills if you go abroad for treatment.
- After purchasing travel insurance, travellers can enjoy peace of mind throughout their journey.
Is Travel Insurance Required For International Travel?
Although travel insurance is not mandatory for any trip or travel, it is strongly recommended by a travel agency, a travel specialist, and even a doctor because of its many benefits, such as medical coverage, accident coverage, trip delay concession, etc.
Some countries like Dubai, Cuba, and Turkey will not allow entry without travel insurance. Nepal has also started claiming travel insurance from individuals visiting the country for mountaineering purposes.
Do I Need Travel Insurance For My International Trip from India?
If any Indian citizen is flying abroad, it is highly recommended to have travel insurance, which protects you from financial expenses due to any unexpected circumstances abroad, such as hospitalization, losing your passport or flight delays.
Who Needs A Travel Insurance?
However individuals can avail of insurance for any tour, they must especially avail of travel insurance if they go for an international trip. Travel insurance is the most recommended option for tourists and individuals in this case.
You should also book travel insurance if you are on a family vacation, travelling frequently, travelling with older members, travelling specifically for an adventurous journey or travelling for business purposes.
Travel Insurance Is Mandatory For Which Countries?
Although individuals are not required to obtain a travel insurance for all the international destinations. But, some countries, such as Cuba, Turkey, Dubai, Nepal & Schengen Countries, do not offer entry to travellers without travel insurance.
Do I Need Travel Insurance For The US?
The United States of America does not demand travel insurance for the entry of international individuals, but, it is better to arrange travel insurance, especially if you are travelling from India, so that you do not have to face expensive health care emergencies or any loss there.
What Insurance Is Required For International Travel?
For international travel, an individual must arrange for medical travel insurance capable of covering the expenses of their medical emergency and accident injuries. However, there are also many add-ons that individuals can avail themselves of in their insurance, such as flight delay recovery, visa loss, or luggage loss coverage.
What Is A Travel Medical Insurance?
Travel medical insurance is a kind of travel insurance provided to cover dedicated medical expenses offered to individuals under a specialized policy. This insurance can benefit you if you face health issues in foreign countries or if the medical services of that country are pretty expensive.
Having medical travel insurance is highly recommended for individuals, irrespective of the country in which they are living. Travel medical insurance is beneficial in covering your medical expenses in foreign countries so that there are no additional health costs in your pocket.
Last but not least, if, unfortunately, individuals have to face any unforeseen circumstances such as accidents, in that case, there is only medical travel insurance capable of covering your long-term costs. And that is why having travel medical insurance is ultimately essential for a traveller.
Travel Insurance For Europe
Many European countries have initiated dedicated travel insurance rules that are essential for those visiting the Schengen zone. Additionally, a traveller must have a minimum medical insurance of at least 30,000 Euros to see the zone.
What Is The Best Travel Insurance For A Schengen Visa?
Schengen visa is a kind of visa issued for some European countries. Some European countries have internal borders, but tourists can visit all these places without being inspected at the borders.
However, a dedicated visa is required for these countries and without travel insurance and with a minimum of 30,000 euros in medical coverage; no tourist is allowed to enter these countries.
Individuals have multiple insurance options for Schengen visas that can be included with their tickets from a travel agency. If you want 24/7 support and affordable Schengen insurance, contact the NixTour travel agency’s travel experts.
Best Travel Insurance
In a country like India, a traveller has multiple options for booking travel insurance. However, it would be more straightforward for them if they got their tour arranged by a renowned travel agency. It will help them obtain all the facilities, including travel insurance.
If you book your travel insurance from a popular travel agency like NixTour, you can enjoy several benefits, like affordable insurance prices and the best post-service support. You can choose any of the travel insurance recommended by executives at NixTour, of which some of the best options are:
- TATA AIG Travel Insurance
- Zurich Kotak Travel Insurance
- HDFC ERGO Travel Insurance
- Reliance Travel Insurance
- ICICI Lombard Travel Insurance
How To Book International Travel Insurance Online?
Travel insurance for international trips can be complex; however, if you try to obtain it online, the entire procedure is quite simple. You can contact any travel agency online to issue you travel insurance.
If considered the best travel agency in India, you should arrange all your trips with the specialists of NixTour, be it flight tickets, accommodation or travel insurance. The company’s executives excel in providing the best international travel insurance at an affordable rate with 24/7 support.
Travel Insurance Price
The price of travel insurance depends on multiple factors, such as the number of travellers, age of individuals, medical conditions, destinations, etc. But on average, the price of travel insurance is only 3 to 10% of the total ticket fare.
Suppose you are visiting Dubai; in that case, the price of an India to Dubai flight ticket is ₹10,000. Therefore, the Dubai travel insurance price will range between ₹400 to ₹1000, which you can customize and extend.
Best Travel Insurance In India
India allows every domestic and international traveller to avail of travel insurance. However, it is essential for frequent travellers, Indian students who are going to study abroad, senior citizens or individuals going on a family vacation to arrange travel insurance.
Although the best travel insurance in India depends on your requirements, destination and budget, some companies offer affordable add-ons like high medical expense coverage and baggage protection. Some of the best travel insurance in India is
- Tata AIG Travel Insurance
- Reliance Travel Insurance
- Bajaj Allianz Travel Insurance
- ICICI Lombard Travel Insurance
Domestic Travel Insurance India
Although individuals can travel domestically anywhere in India without insurance, they can still avail themselves of high-paying insurance at a minimal premium to avoid unforeseen expenses and obtain financial protection in case of accidents, flight delays, baggage loss, or medical emergencies.
Which Company Travel Insurance is Best?
Choosing the best travel insurance company depends on destination affordability and coverage. However, some companies in this field offer the best insurance services, like Tata AIG, ICICI Lombard, and HDFC EGO, which can provide a wide range of facilities for international travel.
FAQs
Does Travel Insurance Cover International Flights
Yes, almost 99% of travel insurance policies cover international flights.
Should We Take Travel Insurance for Flight Trips?
Although travel insurance is not mandatory for flying abroad, it is an essential and even highly recommended protection factor you must avail of.
Can We Visit Foreign Countries Without Travel Insurance?
Without travel insurance, you cannot visit every country because some countries do not allow a traveller to enter without travel insurance, such as Dubai, Turkey, Cuba and all Schengen countries.
Is Baggage Loss Covered In Travel Insurance?
Yes, baggage loss is also covered in travel insurance if included in the insurance policy.
Is Baggage Covered Per Person?
Yes, baggage loss can usually be claimed by every travelling member under a travel insurance policy.
Is Travel Insurance Mandatory For International Destinations?
Some countries highly demand travel insurance, while you can visit some without travel insurance.
Is Travel Insurance Mandatory For Schengen Visa?
Travel insurance is mandatory for a Schengen visa with at least 30,000 Euros medical coverage.
Is International Travel Insurance Mandatory for India And Thailand?
No, it is not mandatory for individuals travelling from India to Thailand to have travel insurance.
Is Travel Insurance Mandatory For Dubai From India?
Yes, Indian travellers must have international travel insurance if they are visiting Dubai.
Is Travel Insurance Mandatory For Visiting Nepal From India?
Although individuals can enter Nepal without travel insurance, they must have travel insurance for mountaineering.
