Travel insurance guides covering trip cancellation, medical emergencies, baggage loss and NRI travel plans.
Travel insurance covers the financial risks of a trip: medical emergencies abroad, trip cancellation or delay, lost baggage or passport, and personal liability. For international travel it is often effectively required, and many visas, including Schengen, mandate a minimum medical cover.
When comparing, match the medical sum insured to the healthcare costs of your destination, check cover for pre-existing conditions and for any adventure activities, and understand the overseas claim and cashless process. Frequent travellers may find a multi-trip annual plan cheaper than buying per trip. Always read the exclusions, since claims are most often denied for undisclosed conditions or activities the plan does not cover.
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