🛡️ Add-Ons and Optional Covers (Best Travel Insurance Plans – Stay Protected Wherever You Go with Insurova)
Adventure Sports Cover
Planning on skiing, scuba diving, or hiking? Get coverage for injury during such activities.
Covid-19 Coverage
Includes quarantine expenses, hospitalization, and trip cancellation due to COVID-19.
Home Burglary Insurance
Covers your home contents while you’re traveling.
🧠 How to Choose the Right Travel Insurance Plan
Check the Destination
Medical costs vary by country. Choose a plan based on the country’s healthcare cost.
Evaluate the Duration
Longer trips need broader coverage, including daily allowances for delays or extended stays.
Read the Exclusions
Know what isn’t covered to avoid surprises—like war zones, drug abuse, or high-risk activities without add-ons.
🔁 Domestic vs International Travel Insurance
- Domestic Travel Insurance: Covers train, bus, or flight-related losses within your country.
- International Travel Insurance: Provides comprehensive coverage including global medical care, evacuation, and legal help.
🧾 Documents Required to Buy Travel Insurance
- Passport copy
- Travel itinerary
- Visa copy (for certain countries)
- Flight details
- Identification proof
💸 Tips to Save on Travel Insurance Premium
- Buy online to compare & get discounts
- Opt for a family floater policy if traveling with loved ones
- Avoid unnecessary add-ons
- Choose a higher deductible if you’re okay with sharing costs
📲 How to File a Travel Insurance Claim
1. Inform Your Insurer Immediately
Use their toll-free or international helpline as soon as an incident occurs.
2. Submit Required Documents
Include claim form, boarding pass, passport copy, bills, FIR (if needed), etc.
3. Claim Processing
After review, claim is either reimbursed or paid directly to the hospital/service provider.
🚫 Exclusions in Travel Insurance
- Pre-existing diseases (unless covered)
- Self-harm or suicide
- Traveling against medical advice
- Adventure sports without cover
- Travel to restricted countries
🧭 Benefits of Buying Travel Insurance Online
- Instant policy issuance
- Lower premiums
- Easy comparison of top plans
- 24×7 assistance & claim support
- No paperwork
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✅ Conclusion
Traveling is exciting—but unexpected situations can turn your dream vacation into a nightmare. With travel insurance, you’re not only protecting your money but also ensuring a smooth, stress-free journey. Whether it’s a short domestic trip or a month-long European adventure, pack your policy before your passport!
🙋 FAQs on Travel Insurance
1. Is travel insurance mandatory for international travel?
Some countries require proof of insurance for visa approval, especially Schengen countries.
2. Can I buy travel insurance after starting my trip?
No, most insurers require the policy to be bought before departure.
3. Does travel insurance cover COVID-19?
Yes, if you select a plan with COVID-19 coverage.
4. Can I extend my travel insurance while abroad?
Yes, but notify your insurer before the policy expires.
5. What is the ideal coverage amount?
For international travel, coverage of at least $100,000 is recommended.