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Travel Insurance: The Much Needed Support
Travel Insurance is very important when you are traveling , If you have travel insurance, you do not have to face any problems with your
You have to make sure that your journey is smooth. Travel insurance makes sense under unfavorable circumstances. We will know more about it.
What makes a travel plan an absolute necessity?
If you have planned a journey full of adventure, the risk is too high for you. To neutralize these risks, a travel plan is essential.
Even though the level of risk is not that high, you should choose a travel plan to travel without tension. A small and unfortunate incident in a foreign country can immediately destroy your savings. You do not want that, right? The conclusion of the appropriate travel insurance offers you insurance protection, so that your hard-earned money in your bank account remains secure.
5 BEST TRAVEL INSURANCE PLANS FOR 2019
In the world of fierce competition, insurance companies offer fantastic travel plans at a competitive insurance price. It is good for travel insurance buyers, but in the end they will get confused. This is due to the large various insurance options availability.
I bet you have to ask yourself, “How do I choose the best travel insurance?” at the times you go to buy a travel insurance plan. This article will be a useful guide. The top 5 travel insurers for 2019 are listed below:
- TATA AIG
- APOLLO MUNICH
- RELIGARE
- BAJAJ ALLIANCE
- HDFC ERGO
Without a doubt, there are other insurers that could meet your insurance expectations and that did not reach this list. Due to the coverage offered, these plans are listed. Let’s take a look.
1. TATA AIG TRAVEL INSURANCE
Tata AIG is one of the leading travel insurers in India. It offers 4 types of travel plans:
- Protection Plan
- Student Guard Plan
- Asia travel guard plan
- Programmable national travel clock
Here is the more details of TATA AIG Travel Insurance Plans:
| S.No. | Plan Name | Coverage |
|---|---|---|
| 1 | Travel Guard Insurance Plan | It offers coverage for sickness, accidents, loss of luggage, passport loss, flight cancellation or delay, dental treatment expenses, emergency travel, legal assistance, emergency repatriation, hijacking, and death. |
| 2 | Student Guard- Overseas Health Insurance Policy | It avails coverage for sickness, accidents, loss of luggage, loss of passport, flight cancellation or delay, dental treatment expenses, legal assistance, emergency travel, emergency repatriation, hijacking, death, assault, maternity benefits, special extensions, child care, mental disorders treatment, nervous disorders treatment, cancer screening, physiotherapy, study interruption, fraudulent charges, sponsor programs, bail bond and trip delay. |
| 3 | Asia Travel Guard Plan | It offers coverage for a medical emergency, accident, loss of baggage, personal liability and passport loss. |
| 4 | Domestic Travel Guard Plan | It avails coverage for missed departure, accident and medical reimbursement, loss of tickets, personal liability, and responsibility. |
2. APOLLO MUNICH TRAVEL INSURANCE
Apollo Munich has been the most popular travel insurer for many years. He is proud to formulate several plans that meet the expectations of his clients’ insurance. It offers 5 types of travel insurance with comprehensive insurance coverage.
- Easy Travel Individual Travel Insurance Plan
- Easy Travel Family Travel Insurance Plan
- Easy Travel Senior Citizen Travel Insurance Plan
- Easy Travel Annual Trip Travel Insurance Plan
- Educare Student Travel Insurance Plan
Explore these Apollo Munich travel insurance plans:
| S. No. | Plan Name | Coverage |
|---|---|---|
| 1 | International Travel Insurance | This plan caters to the travellers globetrotting across various countries including Asia (Asia Travel Insurance Policy), Schengen countries (Schengen Travel Insurance Policy), USA and Canada, and other countries such as South Africa, Australia, Middle East, UK, and South America. It provides coverage for medical expenses, loss of passport, Total loss of checked-in luggage, trip cancellation and interruption, trip delay (maximum 6 days), compassionate visit, missed connections, and home burglary insurance. |
| 2 | Schengen Travel Insurance Plan | This plan caters to the travellers globetrotting across Schengen countries like Denmark, Portugal, Germany, France, Italy, Spain, Switzerland and more. It provides coverage for medical expenses, total loss of checked-in luggage, loss of passport, compassionate visit, and delay in checked-in luggage. |
| 3 | Asia Travel Insurance Plan | This plan is specially designed for travellers travelling to Asian countries like China, Mauritius, Malaysia, Singapore, Dubai, and Thailand. It offers coverage for medical expenses, total loss of checked-in luggage, and loss of passport, trip delay (maximum of 6 days), financial emergency assistance, and delay in checked-in luggage. |
| 4 | Annual Multi-trip Insurance Plan | This plan avails coverage for medical expenses, loss of passport, delay in checked-in luggage, trip delay, total loss of checked-in luggage, trip cancellation and interruption, daily allowance in the event of hospitalisation (25 per day), missed connection, home burglary insurance, and compassionate visit. |
| 5 | Senior Citizen Travel Insurance Plan | This plan provides coverage for loss of passport, medical expenses, total loss of checked-in luggage, delay in checked-in luggage, financial emergency assistance, hijack distress allowance (maximum 7 days), trip cancellation and interruption, trip delay (maximum 6 days), missed connection, and home burglary insurance. |
| 6 | Student Travel Insurance Plan | This plan offers coverage for medical expenses, study interruption, 2 way compassionate visit, total loss of checked-in luggage, and loss of passport. |
3. RELIANCE TRAVEL INSURANCE
Reliance offers travel insurance that covers multiple regions. Reliance Travel Insurance plans offer personalized and personalized plans for single travelers, family travel, students abroad, and seniors.
Reliance offers 6 types of travel insurance:
- International Travel Insurance
- Schengen Travel Insurance Plan
- Asia Travel Insurance Plan
- Annual Multi-trip Insurance Plan
- Senior Citizen Travel Insurance Plan
- Student Travel Insurance Plan
| S. No. | Plan Name | Coverage |
|---|---|---|
| 1 | International Travel Insurance | This plan caters to the travellers globetrotting across various countries including Asia (Asia Travel Insurance Policy), Schengen countries (Schengen Travel Insurance Policy), USA and Canada, and other countries such as South Africa, Australia, Middle East, UK, and South America. It provides coverage for medical expenses, loss of passport, Total loss of checked-in luggage, trip cancellation and interruption, trip delay (maximum 6 days), compassionate visit, missed connections, and home burglary insurance. |
| 2 | Schengen Travel Insurance Plan | This plan caters to the travellers globetrotting across Schengen countries like Denmark, Portugal, Germany, France, Italy, Spain, Switzerland and more. It provides coverage for medical expenses, total loss of checked-in luggage, loss of passport, compassionate visit, and delay in checked-in luggage. |
| 3 | Asia Travel Insurance Plan | This plan is specially designed for travellers travelling to Asian countries like China, Mauritius, Malaysia, Singapore, Dubai, and Thailand. It offers coverage for medical expenses, total loss of checked-in luggage, and loss of passport, trip delay (maximum of 6 days), financial emergency assistance, and delay in checked-in luggage. |
| 4 | Annual Multi-trip Insurance Plan | This plan avails coverage for medical expenses, loss of passport, delay in checked-in luggage, trip delay, total loss of checked-in luggage, trip cancellation and interruption, daily allowance in the event of hospitalisation (25 per day), missed connection, home burglary insurance, and compassionate visit. |
| 5 | Senior Citizen Travel Insurance Plan | This plan provides coverage for loss of passport, medical expenses, total loss of checked-in luggage, delay in checked-in luggage, financial emergency assistance, hijack distress allowance (maximum 7 days), trip cancellation and interruption, trip delay (maximum 6 days), missed connection, and home burglary insurance. |
| 6 | Student Travel Insurance Plan | This plan offers coverage for medical expenses, study interruption, 2 way compassionate visit, total loss of checked-in luggage, and loss of passport. |
4. BAJAJ ALLIANZ TRAVEL INSURANCE
The Bajaj Alliance offers the best travel insurance plans to meet the unique travel insurance needs of its clients.
It offers 7 types of travel insurance policy:
- Individual Travel Insurance Plan
- Family Travel Insurance Plan
- Senior Citizen Travel Insurance Plan
- Student Travel Insurance Plan
- Corporate Travel Insurance Plan
- Travel Asia Travel Insurance Plan
Bajaj Allianz Bharat Bhraman Policy
| S.No. | Plan Name | Coverage |
|---|---|---|
| 1. | Individual Travel Insurance Policy | It provides coverage for trip delay, medical expenses, dental treatment expenses loss of baggage, passport loss, accidental injuries, hijacks, and personal liability. |
| 2. | Family Travel Insurance Policy | It provides coverage for hospitalization, loss of luggage, disbursement of claims, trip curtailment, trip cancellation and burglary. |
| 3. | Senior Citizen Travel Insurance Policy | It provides coverage for hospitalization, loss of luggage, trip curtailment and trip cancellation. |
| 4. | Student Travel Insurance Plan | It provides coverage for accident, hospitalization, family visit expenses, incidental expenses, tuition fee, bail bonds, loss of luggage, loss of passport, and emergency dental treatment. |
| 5. | Corporate Travel Insurance Plan | It provides coverage for medical expenses, dental treatment expenses, accidental injury, and loss of checked-in luggage, loss of passport, trip delay, personal liability, and hijack. |
| 6 | Travel Asian Travel Insurance Plan | It offers coverage for medical evacuation, medical expenses, and repatriation, dental ain relief (emergency), loss of checked-in luggage, delay of luggage, loss of passport, personal accident, AD & D common carrier, emergency cash advance, personal liability and hijack. |
| 7 | Bajaj Allianz Bharat Bhraman Travel Insurance Plan | It provides coverage for personal accident, permanent total disability, child education bonus, hospital daily allowance, personal liability, emergency medical evacuation, missed connection, trip cancellation, trip curtailment, delay/loss of checked-in baggage, home burglary insurance, emergency hotel extension, bounced hotel, delay of trip by Scheduled Aircraft, repatriation of remains, compassionate visit by a family member, adventure sports. |
5. HDFC ERGO TRAVEL INSURANCE
HDFC ERGO is known for flexible form for its customers.
It offers 5 types of travel policy:
- Single Trip Travel Insurance Plan
- Multi-trip Travel Insurance Plan
- Asia Travel Insurance Plan
- Family Floater Travel Insurance Plan
- Student Suraksha Travel Insurance Plan
| S.No. | Plan Name | Coverage |
|---|---|---|
| 1. | Single Trip Travel Insurance Plan | It provides coverage for medical expenses, hospital cash benefit, medical evacuation, accidental injuries, loss of luggage, and loss of personal documents, flight delay, and emergency dental treatment. |
| 2. | Multi-trip Travel Insurance Plan | It provides coverage for emergency medical charges, accidental injuries, emergency medical evacuation, hospital cash benefit, repatriation of mortal remains, loss or delay of checked-in luggage, flight delay, personal liability, financial emergency assistance, hijack distress cash benefit, loss of luggage, personal documents loss, emergency dental treatment and contingency travel benefit. |
| 3. | Asia Travel Insurance Plan | It provides coverage for emergency medical charges, emergency medical evacuation, delay/loss of checked-in luggage, flight delay, hospital cash benefit, hijack distress cash benefit, personal liability, personal accident, loss of luggage, personal documents loss, contingency travel benefit, financial emergency, repatriation of the mortal remains and emergency dental treatment expenses. |
| 4. | Family Floater Travel Insurance Plan | It provides coverage for emergency medical charges, accidental injuries, personal liability, medical evacuation, flight delay, loss of luggage ?personal documents loss, hospital cash benefit ,emergency dental treatment expenses, repatriation of the mortal remains, total disability, contingency travel benefits, hijack distress cash benefit, financial emergency assistance, and delay/loss of checked-in luggage. |
| 5. | Student Suraksha Travel Insurance | It provides coverage for accidental death, childcare benefits, bail bond, passport loss, personal liability, and permanent disablement, dental treatment expenses arising out of an accident, emergency medical charges, pregnancy medical expenses, psychological coverage, delay/loss of checked-in luggage, compassionate visit, and sponsor protection. |
Every travel insurance aggregator provides different coverage. When it comes to deciding a plan, it’s up to you to choose one. Just make sure that the travel insurance plan you choose offers you the best insurance coverage with the best travel insurance premium.
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Also Read, New Cancellation and Refund rights every air traveler and travel agent should know.
