Add On
Travel insurance, for peace of mind.
A hospital bill abroad can cost more than the whole holiday. We arrange policies from insurers licensed by IRDAI, matched to your destination, age and activities.
When it is required
- Schengen countries: mandatory for the visa. The policy must cover at least €30,000 for medical emergencies and repatriation, valid across the Schengen area for your whole stay.
- Other countries: not always required, but strongly recommended. Some cruise lines and tour operators also ask for it.
What a good policy covers
Medical emergencies
Hospitalisation, treatment and medicines abroad, ideally with cashless hospitals.
Evacuation and repatriation
Emergency transport to the nearest suitable hospital, or home.
Trip cancellation and delay
Non-refundable costs if you have to cancel for a covered reason, and allowances for long delays.
Baggage and passport
Lost or delayed checked baggage, and help if your passport is lost.
Personal liability
If you accidentally injure someone or damage property.
24-hour assistance
A helpline that speaks your language and can guide you to a doctor or hospital.
Check before you buy
- Pre-existing conditions: declare them honestly. Undeclared conditions are the most common reason claims are rejected.
- Senior travellers: premiums and cover change with age bands, usually from 60 and again from 70.
- Adventure activities: skiing, scuba diving, bungy jumping and trekking are often excluded unless you add them.
- High altitude and pilgrimages: for Char Dham, Ladakh and Sikkim, check that the policy covers altitude sickness, treks and helicopter rides.
- Sum insured: choose higher cover for the USA, Canada, Japan and Europe, where treatment is expensive.
If you need to claim
- Call the insurer's helpline before treatment where possible, so they can arrange a cashless hospital.
- Keep all bills, prescriptions and medical reports.
- For lost baggage, get a Property Irregularity Report from the airline before leaving the airport.
- For theft, file a police report within 24 hours.
- Tell us too. Our team helps you with the paperwork.
Add insurance to any trip in a few minutes. Ask us for a quote with your travel dates and ages.