Enjoying a vacation requires having adequate provisions for medical emergencies. There are numerous examples of people returning from the US with more than a crore of medical liability. One could have secured a family vacation by buying adequate travel insurance for a minimal cost.
Usually, we treat travel insurance as a commodity, letting a travel agent buy it from the company they're linked with. While this may be better than not buying one, it may not be the best travel insurance plan you want for your journey.
Whether you're looking for international travel insurance or domestic travel insurance, the right coverage can make all the difference when unexpected situations arise during your travels.
An international travel insurance policy is a desirable companion for each foreign trip. Travel insurance protects you against unexpected situations that can derail your trip and finances.
Travel insurance protects you against:
A simple appendectomy in the United States might cost ₹20-25 lakhs, while even routine emergency room visits can result in bills exceeding ₹1 lakh. Without adequate coverage, these expenses must be paid out-of-pocket before you can even leave the country.
Most insurers have arrangements with worldwide assistance providers for delivering seamless travel insurance coverage. Depending on geographies, one insurer may be a better choice over another. Seek relevant information from your advisor before you buy travel insurance online for your needs.
When selecting the best travel insurance plans, consider:
Different insurers excel in different geographic regions based on their established service networks. Some maintain stronger partnerships in North America, while others have superior coverage across Europe or Asia.
Every country has different health services and potential liabilities, which determine the necessary coverage. While a $50,000 cover is sufficient in most of Asia, Japan may require $200,000 and the US $500,000. Buy international travel insurance from experts to ensure you don't misjudge your needs when you travel.
Coverage considerations by destination:
Medical evacuations, especially those requiring air ambulances with medical staff, can cost ₹50-75 lakhs from remote locations. Travel insurance typically covers these extraordinary expenses when medically necessary.
When purchasing travel insurance online, follow these steps to ensure you get appropriate coverage for your needs and destination.
Steps for buying travel insurance online:
Scrutinize the fine print regarding exclusions and claim processes. Policy exclusions vary significantly and may impact coverage for specific situations relevant to your travel plans. Edify makes this process simple by providing expert guidance and access to the best travel insurance plans.
Not all travel insurance policies are created equal. Key differences to consider include coverage limits, exclusions, and service levels to ensure you have appropriate protection for your journey.
Medical Coverage:
Trip Protection:
Personal Belongings:
Always choose a policy that provides adequate coverage for your specific travel needs rather than simply selecting the cheapest option.
Most modern policies include COVID coverage, but terms vary by insurer.
Yes, with specialty add-ons for activities like skiing, diving, or trekking.
We can secure coverage within hours of your application.
Some policies offer coverage after stability periods or with additional premium.
Contact your insurer's 24/7 emergency helpline number provided in your policy documents.
