Travel Insurance
What is Travel Insurance?
Travel insurance is a specialized policy designed to cover financial losses and medical emergencies that
may occur while traveling domestically or internationally. Whether it's an unexpected illness abroad, a
sudden trip cancellation, lost baggage, or a misplaced passport, travel insurance ensures you aren't
left stranded or facing massive bills in a foreign land. It provides 24/7 global assistance, connecting
you with local medical facilities and legal aid whenever you need it most.
Beyond medical cover, a comprehensive travel insurance plan acts as a financial shield against
travel-related inconveniences. From flight delays and bounced bookings to personal liability and
emergency cash assistance, it covers the risks that come with exploring new destinations. Having travel
insurance isn't just about protection; it's about peace of mind, allowing you to focus on your journey
while we handle the uncertainties.
Types of Travel Insurance
1. Single Trip Insurance
Ideal for occasional travelers, this plan covers one specific journey from departure to return. It provides comprehensive medical and travel protection for the entire duration of your vacation or business trip, ensuring that you are shielded from unexpected financial burdens throughout your stay.
2. Multi-Trip (Annual) Insurance
Designed for frequent flyers, this annual policy covers any number of trips within a year. It is highly cost-effective for business travelers, removing the need to buy a new policy for every single journey while providing consistent protection across all global destinations you visit.
3. Student Travel Insurance
A specialized plan for students going abroad for higher education. Includes benefits like study interruption cover and university-required health compliance, tailored for academic life abroad, allowing students to focus on their studies while their health and travel risks are managed.
4. Senior Citizen Travel Insurance
Customized protection for travelers aged 60 and above. These plans focus on comprehensive medical coverage and assistance for pre-existing conditions, ensuring a safe journey for seniors by providing specialized support and higher sum insured options for health-related emergencies.
Key Features of Our Travel Insurance
Global Medical Cover
Comprehensive coverage for emergency hospitalization and medical bills abroad.
Trip Cancellation
Reimbursement for non-refundable bookings due to emergencies or cancellations.
Baggage Loss/Delay
Financial compensation for lost or delayed checked-in luggage during your flight.
Passport Loss Support
Assistance and coverage for obtaining duplicate travel documents in a foreign country.
24/7 Global Assistance
Round-the-clock support for medical, legal, and travel-related emergencies anywhere.
Personal Liability
Coverage for legal liabilities if you accidentally cause damage or injury to others.
Domestic vs International Travel Insurance Policy
Compare domestic travel insurance and international travel insurance benefits clearly.
| Feature | Domestic Travel Insurance | International Travel Protection |
|---|---|---|
| Medical Emergency Cover | Limited | High (USD/Euro) |
| Trip Delay/Cancellation | Yes | Yes |
| Passport Loss Cover | No | Yes |
| Global Assistance Service | No | Yes (24/7) |
| Financial Emergency Aid | No | Yes |
| Baggage Delay | Yes | Yes |
| Add-Ons Allowed | No | Yes |
| Premium Cost | Low | Higher |
| Best For | Vacations within India | Global travel, Visa compliance |
Travel Insurance Coverage
Understand the inclusions and exclusions of your travel protection plan.
What Travel Insurance Covers
Understand what your travel insurance policy covers for complete protection
- Emergency Hospitalization
- Trip Cancellation
- Delayed or Lost Luggage
- Emergency Dental Treatment
- Passport Loss Replacement
- Financial Emergency Assistance
What Travel Insurance Does NOT Cover
Know what situations are excluded from your travel insurance coverage
- Undeclared Pre-existing conditions
- Adventure Sports (without add-on)
- Self-inflicted injuries
- Traveling against medical advice
- War or Terrorism risks
- Claims due to alcohol abuse
Travel Insurance Add-Ons
Enhance your protection with specialized travel add-on covers.
Adventure Sports Cover
Covers medical emergencies and accidents arising from activities like skiing, scuba diving, and bungee jumping, which are typically excluded from standard plans.
Home Burglary Cover
Provides financial protection for your home in India against theft or burglary while you and your family are traveling abroad, ensuring peace of mind for your assets.
Bounced Booking Cover
Reimburses costs for alternative accommodation if your pre-booked hotel or flight is bounced due to overbooking by the provider at your destination.
Cruise Cover
Specialized protection for travelers on cruise ships, covering missed port departures, cabin confinement, and emergency airlifts from sea.
Maternity Cover
Provides coverage for emergency medical expenses related to pregnancy complications while traveling abroad, subject to policy terms and duration.
Factors That Influence Your Travel Insurance Cost
Your journey details decide the premium amount for your travel protection policy. It is a key factor in any travel insurance plan selection.
1. Age of Travelers
Premiums are higher for senior citizens due to increased health risks and medical costs abroad
2. Destination Country
Countries with expensive healthcare systems (like USA or Canada) usually have higher insurance premiums
3. Trip Duration
The total number of days spent abroad directly increases the insurance cost for the entire coverage period
4. Sum Insured Chosen
Selecting a higher medical cover limit (e.g., $500,000 vs $50,000) will raise the policy premium amount
5. Type of Plan
Individual plans vs Family Floater or Multi-trip plans affect the total premium calculation for your journey
Tips to Reduce Your Travel Insurance Premium
These smart ways help you lower your costs for a comprehensive travel insurance policy.
1. Choose the Right Coverage
Don't over-insure for destinations with lower medical costs. Match your sum insured to your destination's economy
2. Annual Multi-Trip Plans
If you travel more than twice a year, an annual policy is much cheaper than buying individual trip insurance
3. Group or Family Plans
Insuring your whole family under one family floater plan is often more economical than individual policies
4. Higher Deductibles
Choosing to pay a small fixed amount for each claim can significantly reduce your overall policy premium
5. Compare and Customize
Use DigiAssure to compare different providers and remove add-ons that aren't relevant to your specific journey
Documents Required for Travel Insurance
Know the basic documents needed to buy and process your travel protection policy online.
Identity Proof
- Valid Passport (First and Last page)
- Aadhaar Card or PAN Card
- Passport size photographs
Travel Documents
- Confirmed Flight Tickets
- Booking Confirmation Vouchers
- Foreign Exchange Purchase proof
Address Proof
- Electricity or Telephone Bill
- Voter ID Card
- Rental Agreement or Passport
Medical Details
- Pre-existing disease declaration
- Recent medical reports (if applicable)
- Vaccination certificates
Visa & Itinerary Details
- Valid Visa for destination
- Day-wise Travel Itinerary
- Hotel stay confirmations
Other Optional Documents
- University Admission Letter (for students)
- Adventure Sports participation proof
- Sponsorship Letter (if applicable)
Travel Insurance Claim Process – Step by Step
Step-by-step guide for filing a travel insurance claim during emergencies abroad.
Notify the TPA
Contact our 24/7 global helpline or Third Party Administrator (TPA) immediately after the emergency occurs.
Claim Registration
Register your claim via email or our mobile app and get a unique claim reference number instantly.
Seek Medical Care
Visit a network hospital for cashless treatment or a local facility for reimbursement later.
Document Collection
Keep all original medical bills, police reports, and boarding passes safe for submission.
Submit Claim Form
Fill out the claim form and upload digital copies of all documents through our global portal.
Verification Process
Our experts verify the claim against your policy terms and the evidence provided from abroad.
Approval Notification
Receive an update on your claim status and the approved amount for settlement within 7 days.
Final Settlement
The approved amount is transferred to your account or paid directly to the foreign hospital.
Benefits of Travel Insurance Abroad
Discover the advantages of comprehensive global travel protection and peace of mind.
Financial Protection
Your policy covers expensive medical bills and hospitalization abroad, saving you from huge financial losses.
Passport Protection
Get reimbursement for expenses incurred in obtaining a duplicate passport if lost or stolen in a foreign land.
Baggage Security
Receive compensation for lost or delayed checked-in luggage, allowing you to purchase essentials on your trip.
Trip Cancellation
Stay protected against financial losses due to cancelled flights or hotel bookings for covered reasons.
Global Assistance
24/7 access to our worldwide assistance network for medical, legal, and travel guidance anywhere.
Cashless Hospitalization
Direct settlement of medical bills with network hospitals abroad, ensuring you focus on recovery.
Add-On Benefits
Enhance your protection with optional covers like Adventure Sports, Home Burglary, and Bounced Booking.
Legal Liability
Covers legal expenses and liabilities if you accidentally cause damage or injury to others while traveling.
Peace of Mind
Enjoy your vacation stress-free knowing that DigiAssure is handling all your travel-related risks.
Visa Compliance
Our plans meet all mandatory medical cover requirements for Schengen and other major global visas.
Frequently Asked Questions
Quick answers to common queries about travel insurance policies and claims.
Does travel insurance cover pre-existing diseases?
Most travel insurance plans cover life-threatening medical emergencies arising from pre-existing conditions. However, routine treatments or check-ups for such conditions are generally excluded unless specified.
Is travel insurance mandatory for a Schengen visa?
Yes, travel insurance with a minimum medical cover of €30,000 is legally mandatory for obtaining a Schengen visa. Our international plans are fully compliant with these requirements.
Can I extend my policy while I am already abroad?
Yes, you can usually extend your travel insurance policy online through our portal before your current policy expires, subject to a declaration of good health and insurer approval.
What should I do if I lose my passport abroad?
Immediately file a report at the nearest local police station and notify our 24/7 assistance helpline. We will guide you through the process of obtaining a duplicate passport and reimburse the associated costs.
Is COVID-19 covered under travel insurance?
Most of our current travel insurance plans include coverage for hospitalization and treatment related to COVID-19, provided it was not a pre-existing condition and you follow local travel advisories.
How do I file a cashless claim at a foreign hospital?
Show your travel insurance policy or health card at the hospital and contact our global helpline. Our TPA will coordinate directly with the hospital to settle the eligible medical bills.
What is a Third Party Administrator (TPA) in travel?
A TPA is a service provider that handles claim processing and emergency assistance on behalf of the insurer. They have a global network of hospitals and legal aid to support you anywhere in the world.
Does travel insurance cover flight delays?
Yes, most plans provide reimbursement for expenses incurred due to significant flight delays (usually over 6-12 hours) caused by covered reasons like weather or technical faults.