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International Travel Insurance

Let us help you find a better insurance

  • No pre-policy medical
    check-ups for any age
  • Plans to suite
    your travel
  • Coverage includes
    pre-existing illnesses

What we offer Country specific plans to suit your needs

Plan highlights of Africa

Medical benefits
  • Hospitalization Cover – IPD & OPD (in case of emergency)
  • Double SI for Accidental Hospitalization
  • Coverage for Pre-Existing Ailments
Non-medical benefits
  • Loss of Passport & Checked in Baggage
  • Trip Delay, Cancellation or Interruption
  • Up-gradation to Business Class
  • Medical Evacuation
  • Personal Liability Cover

Plan highlights of Asia

Medical benefits
  • Hospitalization Cover – IPD & OPD (in case of emergency)
  • Double SI for Accidental Hospitalization
  • Coverage for Pre-Existing Ailments
Non-medical benefits
  • Loss of Passport & Checked in Baggage
  • Trip Delay, Cancellation or Interruption
  • Up-gradation to Business Class
  • Medical Evacuation
  • Personal Liability Cover

Plan highlights of Canada

Medical benefits
  • Hospitalization Cover – IPD & OPD (in case of emergency)
  • Double SI for Accidental Hospitalization
  • Coverage for Pre-Existing Ailments
Non-medical benefits
  • Loss of Passport & Checked in Baggage
  • Trip Delay, Cancellation or Interruption
  • Up-gradation to Business Class
  • Medical Evacuation
  • Personal Liability Cover

Plan highlights of Europe

Medical benefits
  • Hospitalization Cover – IPD & OPD (in case of emergency)
  • Double SI for Accidental Hospitalization
  • Coverage for Pre-Existing Ailments
Non-medical benefits
  • Loss of Passport & Checked in Baggage
  • Trip Delay, Cancellation or Interruption
  • Up-gradation to Business Class
  • Medical Evacuation
  • Personal Liability Cover

Plan highlights of USA

Medical benefits
  • Hospitalization Cover – IPD & OPD (in case of emergency)
  • Double SI for Accidental Hospitalization
  • Coverage for Pre-Existing Ailments
  • Common Carrier Accidental Death
Non-medical benefits
  • Compassionate Visit
  • Loss of Passport & Checked in Baggage
  • Trip Delay, Cancellation or Interruption
  • Up-gradation to Business Class
  • Medical Evacuation

Plan highlights of Worldwide excl. US/Canada

Medical benefits
  • Hospitalization Cover – IPD & OPD (in case of emergency)
  • Double SI for Accidental Hospitalization
  • Coverage for Pre-Existing Ailments
  • Common Carrier Accidental Death
Non-medical benefits
  • Compassionate Visit
  • Loss of Passport & Checked in Baggage
  • Trip Delay, Cancellation or Interruption
  • Up-gradation to Business Class
  • Medical Evacuation

Why should one buy International Travel Insurance

?

A glimpse at the following scenarios will help to understand the need for an International Travel Insurance! And there can be many more.

Scenario 1

You get a Fantastic off-season deal at Mexican Resort in Riviera Maya. After a Dream flight, the hotel is fascinating & the food is excellent. Then all of a sudden there’s a hurricane alert.

YOU HAVE TO BE EVACUATED PROMPTLY & WITHOUT YOUR LUGGAGE

Scenario 2

You are on a vacation in Israel, merrily floating in the Dead Sea when you suddenly choke on the Brine &

YOU HAVE TO BE EVACUATED TO THE NEAREST HOSPITAL AS A MEDICAL EMERGENCY

There are plenty of things that could go wrong while you are on a Trip despite how meticulously it has been planned. International Travel Insurance secures you against the risk of incurring unforeseen medical expenses and other travel related emergencies, when you are bound to feel especially vulnerable due to the fact that you are in unfamiliar territory, far away from home. When unexpected illnesses or accidents occur while you are travelling overseas or you face other severe emergencies, having an international travel insurance gives you access to financial comfort, making the whole experience a lot less traumatic.

How International Travel Insurance is an Investment

?

An International Travel Insurance might not immediately trigger a need in our minds and might seem like an unnecessary expense; however this could prove to be your best investment in case of a medical exigency. Consider the following example:

Scenario 1

Naive Planner

  • Mr. Ignorant planned a vacation at Hawaii with a budget of 4 Lakhs

  • INR 1,80,000
  • INR 70,000
  • INR 40,000
  • INR 30,000
  • INR 50,000
  • Kept approx. INR 30,000 for Medical Emergency

WHAT HE COULDN’T PLAN!

Slipped at the beach and hit his knee against a Rock. Landed in Hospital & hospital bill for 3 day stay was INR 5 Lakhs!

Because he had no International Travel Insurance, he had to pay out of pocket & his total budget increased to 9 Lakhs

Scenario 2

Smart Planner

  • Mr. Aware planned a vacation at Hawaii with a budget of 4 lakhs

  • INR 1,80,000
  • INR 70,000
  • INR 40,000
  • INR 57,000
  • INR 50,000
  • Travel Health Insurance INR 2,834 for Medical Emergency

WHAT HE COULDN’T PLAN!

Slipped at the beach and hit his knee against a Rock. Landed in Hospital & hospital bill for 3 day stay was INR 5 Lakhs!

Because he had International Travel Insurance, Hospital bill covered by Religare Health Insurance Company

International Travel Insurance

In some cases medical insurance is mandatory for entry into some countries. For instance, a certain minimum medical insurance is a prerequisite requirement for a visa into the Schengen Area, which comprises 26 European countries that function as a single country for international travel purposes. Further, this insurance should be valid within the Schengen region for the full duration of your stay and it must cover any expenses relating to repatriation for medical reasons, urgent medical attention and/or emergency hospital treatment or death. Even if medical insurance is not mandatory in the country to which you wish to travel, it still makes sense to purchase international travel insurance before you go because medical treatment outside India is extremely expensive. In fact, medical treatment abroad is approx. 3 to 10 times costlier than India. Explore – Our International Travel Insurance is Schengen approved.

Single trip/Multi trip

Multi-Trip Policy: For frequent fliers especially business travelers, insurers offer multi-trip policies which help in substantial saving of cost when compared to taking multiple policies – one for each separate trip.

Duration/Per Trip limit: In multi-trip policy, after commencing the trip some insurers will cover only a certain specified number of days. Example 30/45/60 days per trip.

Single trip International Travel Insurance

A Single Trip International Travel Insurance, as the name suggests, provides coverage for a single international or domestic trip for a pre-defined number of days. This type of insurance is perfect for those who travel once a year. It provides all the coverage and benefit of a good travel insurance policy and protects against unfortunate incidents. This type of policy lapses the moment you return home from the trip.

Multi Trip International Travel Insurance

A Multi Trip International Travel Insurance, as the name suggests, provides coverage for multiple trips taken during a policy year. This type of policy is perfect for individuals who travel a lot due to work or simple love of travelling and go on multiple trips frequently. Instead of purchasing a policy for every trip, it is more economical to purchase a single policy which covers multiple trips. For every trip, there is pre-defined maximum number of days that the policy is applicable for depending on the plan that has been chosen. It is a comprehensive plan which provides all needed protection and coverage during each trip and ensures that you travel hassle free.

What's Included in the Explore Plan?

The Explore-International Travel Insurance plan is an overseas travel insurance plan and has the following medical inclusions:

Hospitalization Cover

: If there is a situation of emergency hospitalization or treatment due to an illness or injury during the travel, the insurance plan takes care of the related cost. It includes both In-patient care and Out-patient treatment.

Pre-Existing Disease Coverage

: Expenses arising due to treatment of a pre-existing disease in a life threatening situation.

Double Sum Insured for Accidental Hospitalization

: The sum that is insured doubles in amount once in the case of an accidental hospitalization.

Treatment in Home Country

: If after return from the trip, further treatment is required then the expenses for the same are covered for a period of up to thirty days or up to the end date of the policy, whichever is earlier.

Medical Evacuation

: Any cost incurred due to emergency transportation and evacuation services in order to transfer the insured to an appropriate medical facility within the policy network.

Common Carrier Accidental Death

: When the insured as a passenger faces accidental death on a common carrier/transport, a lump sum amount is paid.

Dental Expenses

: Any dental expenses that are incurred due to an injury during the trip are covered for.

Daily Allowance for Hospitalization

: When hospitalization is between two to five days, then expenses for meals, communication and transportation are provided.

2-Way Compassionate Visit

: Travel expenses for an immediate family member is provided to bring them to the current location of the insured.

Accidental Death/Permanent Total Disability

: Any unfortunate expenses arising out of permanent total disability or death during the trip is covered.

The Explore-International Travel Insurance plan is an overseas travel insurance plan and has the following non-medical inclusions:

Trip Delay

: When departure is delayed beyond 12 successive hours due to terrorism or natural calamities like storm, flood, rains, earthquake and cyclone then related expenses are covered.

Trip Cancellation or Interruption

: When the trip is cancelled or interrupted due to an unforeseen event which is due to natural or manmade situations, then cost incurred is taken care of.

Loss/Delay of Checked-In Baggage

: When the checked-in luggage is lost while in custody of the carrier or there is more than twelve hours of delay in receiving the luggage then the expenses is covered for.

Loss of Passport

: In such a situation, cost for a new or duplicate passport is taken cover of.

Return of Minor Child

: If the insured is travelling alone with child/children and is hospitalized, then the return cost of bringing the minor child to the home location is covered.

Up-Gradation to Business Class

: When the insured has been hospitalized for more than five consecutive days and needs to be brought back to their home location, then compensation for up-gradation to business class is given.

What’s not included in the Explore Plan?

The Explore International Travel Insurance plan by Religare Health Insurance has the following exclusions:

  • Any cost occurring for due to the treatment of HIV/AIDS or any other transmitted disease.

  • Any claim which is related to a hazardous activity.

  • Any expenses occurring under the influence of drugs or alcohol.

  • Any expenses related to consequences arising due to war or nuclear perils.

  • Any claim related to ionizing radiation or contamination due to the same.

  • Any expense to do with self-inflicted injury, attempted suicide or suicide.

  • Any liability related to any professional services offered by the insured.

  • Any expense related to the insured being involved in his business activities.

  • Any cost occurring due to ownership of any aircrafts, water crafts, motor vehicle or other vehicles.

  • Any personal liability of the insured towards another individual, whether personal, official or commercial.

  • Any cost arising due to wrongful detention, false arrest, wrongful eviction, defamation or mental trauma and shock resulting from such situations.

  • Any expense occurring due to encroachment of intellectual property rights like patent, copyright and trademark.

  • Any liability related to the possession of animals, insects, bird and reptiles and their byproducts.

  • Any cost incurred due to the insured being involved in Breach of Law.

  • These are all the inclusions and exclusions of the plan. If there are any doubts related to any of them, it is best to have them cleared before proceeding with the purchase of the plan.

Things to watch-out before buying an International Travel Insurance Policy

Destination/Geography:

Before travelling one must cross-verify if the insurer they are choosing covers the exact geography they are travelling to.

Sub-limits:

It is wise to know what all one can claim should there be a need while there is a wide list of features available, some of them might allow the insured to claim only upto a certain amount. Also check if there is any threshold per-incident or per-claim.

Schengen Approved:

If you travel to any country falling within the Schengen region, you must cross-check whether your travel insurance is valid. Same can be checked from the VFS website.

Geography based plans:

A lot of insurers offer plans that are specific to a particular region. This helps the insurer in giving a cost advantage to the Insured since plans are priced also keeping in mind the cost of medical treatments in that specific region or scope of coverage required along with many other factors.

Exclusions:

It is advisable to always check what is not excluded in your travel policy. Most insurers for example don’t cover adventure sports or sports that are considered hazardous in nature or pre-existing ailments etc. Knowing this will help you plan your excursions accordingly.

Process of Intimation of claim:

It is wise to make sure you are aware of the timeframe in which an insurer would want you to intimate a claim. An insurer could tie-up with local service providers and in that case one should carry the requisite contact points.

Customer Care detail might be difference from a claim helpline:

While a claim helpline number is usually printed on policy documents, it is wise to cross-verify contact points to contact in case of a service related enquiry since a claim team might not be able to offer assistance on the same. For example – a request for extension might have to be raised at a different touch-point.

Some insurers offer family option if more than 2 members are travelling for a cost advantage.

Some companies offer premiums on per day basis instead of slabs. For instance an insurer might charge for 180 complete (slab) while others could charge for as many days traveled and not necessarily 180 or similar slab.

How to File a Claim for International Travel Insurance?

Claiming travel insurance is easy, please visit our Claim Section to know more about the Claims procedure.

Buying an International Travel Insurance online

is Easy!

With the advent of technology, buying travel insurance is easy and the complete process from quote generation to policy issuance is done within few minutes. Policy issuance is online and instant. This means even if one is at the airport waiting for their flight they can buy a travel insurance before commencing their flight.

Do check out our Country Specific Guides

Frequently asked questions

Why should I buy Explore Insurance Plan?

Our International Insurance plan provides protection to you and your loved ones if unfortunate things happen while travelling. It covers your lost baggage, flight cancellation, hospital expenses and many more.

Who can buy Explore Insurance Plan?

Anyone! All Indian citizens can be covered by our travel insurance.

What is the minimum period for a trip to be insured?

Our Travel Plans provide coverage for travel trips as short as 1- 4 days.

What is the Claim Process?

It is easy! Just File a claim on our website and fill the claim form.

Can I buy international travel insurance for my parents above 70 years of age?

Yes, we provide the international travel insurance for senior citizens with no age limit for single trip. Maximum age limit is 70 years for multi trip.

Can I avail cashless facility for hospitalisation under Explore Plan?

Yes, we offer cashless facility for hospitalization duration of your travel.

Do I have to go for medical test to buy international travel insurance?

No, there is no medical examination required to buy travel insurance.

Do you provide financial assistance for the Explore Plan?

Yes, we provide 24X7 assistance duration of your trip. Please call our toll free numbers for any query: In USA : + 1 844 2091106 (Toll Free) In Canada : +1 844 209 1107 (Toll Free) From the rest of the world: +91 11 40608688(Call back facility) In India: 1800 102 4488(Toll Free and Accessible in India only) Fax: 18002006677 Email: travelclaims@religare.com

Is International Travel insurance mandatory for Schengen Visa?

Yes, it is mandatory to buy travel insurance before you apply for Schengen Visa. We have a plan specifically for your travels in Europe.

Awarded at coveted event India's Most Preferred Travel and Tourism Brands, 2018 by UBM India

Call:1800-102-4488|1860-500-4488

Disclaimer: For more details on risk factors, terms and conditions please read sales brochure carefully before concluding a sale.

UIN: IRDA/NL-HLT/RHI/P-T/V.II/23/14-15. UAN2: 19032844.

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