What is Travel Insurance?

Now that you know what travel insurance is, let’s understand the types of travel insurance plans available in the market.

Individual Travel Insurance

An Individual travel insurance plan is suitable for those on a solo trip. When travelling on your own, you must stay protected against all the risks of being a solo traveller. 

Student Travel Insurance

If you want to go abroad on an educational basis, this plan is for you. Designed to keep a student’s needs in mind, a student travel insurance plan offers beneficial covers for your trip, education, and medical necessities at minimum expense.

Group Travel Insurance

If you’re planning a trip with your friends, colleagues, or family, then instead of purchasing individual travel insurance for every member, a group travel insurance plan can come in handy. It reduces costs while providing the same benefits for all travellers.

Senior citizen Travel Insurance

Travelling above the age of 60 trails its risks along. That’s why a travel plan designed specifically for senior citizens saves you from unexpected issues like medical expenses, age or health-related, along with other benefits.

Domestic Travel Insurance

Domestic travel insurance is a type that is applicable if the insured is travelling within national boundaries.

International Travel Insurance

International travel insurance is helpful for travelling abroad regardless of the purpose or duration of stay. In many countries, it is mandatory to have travel insurance with you while applying for your visa. This protects you from any unforeseen expenditure.

Schengen Travel Insurance

Schengen travel insurance applies to 29 Schengen countries. It is mandatory to have travel insurance when travelling to any country within the Schengen zone.

Let’s look at an example to understand better: Say you’ve had to cancel your trip a day or two before it starts because you suddenly fell sick or met with an accident and are hospitalized. You’ve informed flight and accommodation authorities about the same, but they say it is too late to receive a refund. You’re losing money! But don’t worry; your travel insurance will cover you if there is any non-refundable amount when you file a claim.

When any incident hampers your trip, your travel insurance acts as a security blanket by protecting your finances.

The role of your Travel Insurance is to protect and assist you in times of difficulty financially. Some of the advantages and benefits of buying a travel insurance plan are:

• Lets you have a stress-free trip: With a Travel Insurance plan, you can enjoy your vacation to the fullest and not worry over losing additional money in case of emergencies. If there is any damage, theft, or last-minute cancellations, your travel insurance has your back!

• The best document to own during Medical Emergencies: If you require hospitalization abroad due to any accident or sickness, your comprehensive travel insurance can assist in paying your medical bills. We know how costly availing of medical treatment abroad is.

• It covers Personal Liability: Personal liability is the damage done to a third person by the insured. The definition of damage differs from insurer to insurer. These damages occur accidentally, especially on international travel and can burn a hole in your pocket to pay the expense.

• Wide range of covers for your perfect trip: Best Travel Insurance plans have a wide range of covers from loss of passport/baggage to last-minute flight issues due to medical emergencies, natural disasters etc.

Every travel insurance plan differs from insurer to insurer. To better understand the plan you chose, you must always read your policy document carefully and thoroughly. With Digit, we offer a comprehensive International Travel Insurance plan with many coverages at a reasonable price. Take a look at our coverages and exclusions below:

While ours is a travel insurance that covers most things that could go wrong on vacation, we are completely open in all that we do. Understanding what your travel insurance does not cover is just as critical as knowing what is covered. The following are some exclusions that our travel insurance will not cover:

• We can't cover diseases or illnesses that have already been diagnosed, or if your doctor has already recommended no travelling.
  
• Daily cash allowance of up to 5 days is only valid for those who are hospitalised during their holiday, in a foreign country.
  
• Death or disability won’t be covered after 365 days of the accident that has caused it.
  
• Adventure sports are covered if you’re doing it for the duration of one day. This doesn’t include week long treks, hikes or professional level adventure sports that go on for more than one day. 
  
• Flight delays aren’t covered if your airline already informed you about the same at least 6 hours in advance.
  
• Delay of checked in luggage is not covered if the delay is due to customs.
  
• Any missed connection where the time gap between scheduled arrival of incoming flight and scheduled departure of connecting flight was less than the time required.
  
• Thefts aren’t covered for if you only make the required police complaint after getting back from your trip. 
  
• Thefts won’t be covered if the police of the respective aren't notified within 24 hours.
  
• Trip extensions due to childbirth or related matters can’t be covered
  
• Trip abandonments due to pre-existing illnesses or health conditions can’t be covered.
  
• Trip cancellations due to rejection of visa is not covered.
  

Once you know how to have checked all these parameters, you can buy the best plan that suits your needs. At Digit, you get a great plan that covers all your needs at an affordable price. With the entire process being completely digital, you can purchase your policy or file a claim with us online within minutes!

Buy your International Travel Insurance policy from Digit starting from just ₹225 for over 150+ countries.