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Essential information about travel insurance coverage and benefits for Indian travelers
Travel insurance provides essential coverage for unexpected events while traveling domestically or internationally from India.
Many countries now require proof of travel insurance with adequate medical coverage as a condition for visa approval or entry.
While not legally mandatory for all destinations, travel insurance is highly recommended to protect against high medical costs, trip cancellations, and other unforeseen circumstances abroad.
Travel insurance serves as comprehensive protection against common travel risks, providing peace of mind while exploring India and beyond.
Medical Emergencies: Coverage for hospitalization, doctor visits, and emergency medical evacuation.
Trip Cancellation: Reimbursement for non-refundable expenses if you need to cancel your trip.
Lost Baggage: Compensation for lost, stolen, or damaged luggage during your travels.
Travel Delays: Coverage for additional accommodation and meals during unexpected travel delays.
Choose from various policy types tailored to your travel needs, including single-trip, multi-trip, domestic, and international coverage options.
Single-Trip Plans: Coverage for one specific journey, ideal for occasional travelers.
Annual Multi-Trip: Year-round coverage for multiple trips, perfect for frequent travelers.
Family Coverage: Comprehensive plans that cover the entire family under a single policy.
Consider these key elements when selecting a travel insurance policy for your next journey from India.
Pre-existing medical conditions must be declared when purchasing travel insurance to avoid claim rejections.
Adventure activities like scuba diving, trekking, or skiing often require additional coverage not included in standard policies.
Always verify coverage limits, especially for medical expenses, as healthcare costs can be extremely high in countries like the USA, Singapore, and parts of Europe.
Insurance is subject to the terms and conditions of the policy. Please read the policy document carefully before making a purchase.
Simple Steps to Secure Your Adventures with BTW IMF
Buying travel insurance should be as easy and exciting as planning your trip. At BTW IMF, we make it simple by helping you choose the best policy for your specific travel needs. Our experts will guide you through every step, ensuring you get comprehensive coverage at competitive rates.
Before finalizing your travel insurance, connect with our specialists through one of these convenient channels:
Our travel insurance advisors will understand your trip details, health requirements, and coverage preferences to recommend the most suitable options.
Based on your travel details and requirements, we'll present customized insurance plans that include:
We explain all benefits and exclusions clearly, so you know exactly what's covered.
Review and compare the personalized options we provide based on these important factors:
Our advisors will help you understand the trade-offs between coverage and cost, so you can make an informed decision.
Once you've chosen your plan, we need just a few key details to process your policy:
Basic details for all travelers to be covered
Dates, destinations, and other travel information
Our streamlined application process takes just minutes to complete, with guidance available at every step.
The final step to securing your travel protection is quick and simple:
Your policy documents arrive immediately via email, so you can travel with peace of mind knowing you're protected.
Our policies provide protection no matter where your adventures take you, with global emergency assistance available 24/7.
Our travel insurance specialists help you navigate policy options to find the perfect coverage for your specific journey.
From medical emergencies to trip cancellations and lost luggage, we offer thorough coverage for travel mishaps.
Get insured in minutes with our streamlined application and receive your policy documents instantly.
Ready to protect your travels? Contact BTW IMF today and let us find the perfect coverage for your next adventure!
Get Travel InsuranceExplore the different types of travel insurance available and choose the one that best suits your travel needs
Complete travel protection
The most extensive travel insurance offering protection against a wide range of travel-related risks including medical emergencies, trip cancellation, baggage loss, and more.
Emergency medical expenses
Trip cancellation & interruption
Baggage loss & delay
Travel delay & missed connections
Emergency evacuation & repatriation
Health protection abroad
Focused on covering medical emergencies during your travel, including hospitalization, doctor visits, prescriptions, and emergency evacuation when needed.
Emergency medical expenses
Hospital stays and treatments
Emergency evacuation
No trip cancellation coverage
No baggage loss coverage
Important! Regular health insurance often doesn't cover medical expenses abroad. Always check before traveling.
Financial protection for trip changes
Reimburses prepaid, non-refundable expenses if you need to cancel your trip for a covered reason, such as illness, severe weather, or other unexpected events.
Illness, injury, or death of you, a travel companion, or family member
Severe weather or natural disasters
Terrorism at your destination
Bankruptcy of travel supplier
Change of mind or personal reasons not covered
Tip: For maximum flexibility, consider the "Cancel For Any Reason" add-on which allows cancellation for reasons not typically covered.
Protection for your possessions
Provides coverage for lost, stolen, or damaged luggage and personal items during your trip, as well as essential purchases needed due to delayed baggage.
Lost or stolen luggage
Damaged personal items
Essentials purchases during baggage delay
Limited coverage for expensive electronics and jewelry
Note: Coverage limits typically apply per item. Valuable items may need separate insurance.
Coverage for frequent travelers
Provides coverage for multiple trips within a year, ideal for frequent travelers. More cost-effective than purchasing separate policies for each trip.
Coverage for unlimited trips within a year
Cost-effective for frequent travelers
Convenient – no need to purchase insurance for every trip
Usually limited to trips of 30-45 days maximum
Coverage for traveling parties
Designed for groups traveling together, such as families, friends, or tour groups. Provides coverage for multiple individuals under a single policy.
Cost-effective coverage for multiple travelers
Simplified management with one policy
Cover for all group members for the same trip duration
Who Needs It? Families traveling together, corporate groups, school trips, or tour groups.
Activity or destination specific
Tailored insurance for specific types of travel or destinations with unique risks, such as adventure sports, cruises, or travel to remote locations.
Adventure Sports Coverage – For high-risk activities like skiing, scuba diving, etc.
Cruise Insurance – Specific coverage for cruise-related issues
Business Travel – Coverage for work equipment and business interruption
Student Travel – For studying abroad with longer policy terms
For international vacations: Comprehensive travel insurance that includes medical coverage, trip cancellation, and baggage protection.
For expensive pre-paid trips: Trip cancellation insurance to protect your investment in case you need to cancel.
For frequent travelers: Multi-trip annual insurance to save money and avoid purchasing a new policy for each trip.
Understanding the key elements that affect your travel insurance choices
When selecting a travel insurance policy, several key factors play a role in determining the coverage, premium, and overall benefits. Understanding these factors ensures that you choose the most suitable policy for your travel needs.
The coverage type and limits determine the extent of financial protection your travel insurance offers for various situations.
Medical Coverage $100,000 - $500,000
Covers emergency medical expenses, hospital stays, and evacuation costs while traveling abroad.
Higher coverage limits are crucial for destinations with expensive healthcare (like the US).
Baggage & Personal Belongings $1,000 - $3,000
Covers loss, theft, or damage to your luggage and personal items during the trip.
Consider higher limits if traveling with valuable items like electronics or jewelry.
Trip Cancellation & Interruption
Reimburses prepaid, non-refundable expenses if you need to cancel or cut short your trip due to covered reasons.
Coverage should typically match your total non-refundable trip costs.
Tip: Don't just look at the premium cost. Consider the coverage limits and whether they're adequate for your destination and travel style.
Your travel destination significantly impacts the type of insurance and coverage you need. Different regions present different risks and requirements.
High-Cost Medical Countries Higher Premium
Travel to countries with expensive healthcare systems (US, Canada, Japan) requires higher medical coverage limits.
These destinations typically result in higher insurance premiums.
Travel Advisory Regions
Some policies exclude coverage for countries under government travel advisories or with political instability.
Special insurance may be required for regions deemed high-risk.
Schengen Area Requirements €30,000 minimum
Travel to Schengen countries requires insurance with minimum medical coverage of €30,000.
This is a visa requirement for many nationalities.
Tip: Research the specific healthcare costs and insurance requirements for your destination before purchasing a policy.
Standard policies may not cover adventure activities or specialized needs. Consider your planned activities and available add-ons when selecting a policy.
Adventure Sports Coverage +15-30%
Activities like skiing, scuba diving, bungee jumping, or trekking often require additional coverage.
Standard policies typically exclude injuries sustained during these activities.
Electronic Device Protection
Standard baggage coverage often has low per-item limits that won't fully cover expensive cameras, laptops, or smartphones.
Dedicated electronics coverage provides higher limits for these items.
Rental Car Damage Waiver $9-15/day
Covers damage to rental vehicles, potentially saving you money compared to purchasing coverage from the rental company.
Important for road trips or destinations where you plan to rent a car.
Tip: Make a list of all planned activities before purchasing insurance. Be explicit about adventure sports or specialized needs when comparing policies.
Travel Insurance is a type of policy that provides coverage for unforeseen events during a trip, such as medical emergencies, trip cancellations, lost luggage, and flight delays. It ensures that travelers are financially protected, allowing them to enjoy their journey with peace of mind.
The global travel landscape has seen a rise in international travel by Indians in recent years. With more Indians exploring international destinations, ensuring safety through travel insurance has become paramount:
Medical emergencies can be extremely costly, especially in countries with high healthcare costs like the United States or Europe. Travel insurance provides coverage for hospitalization, medical evacuation, and doctor’s fees.
Trips can be disrupted due to various reasons, including family emergencies, natural disasters, or political unrest. Travel insurance helps travelers recover non-refundable expenses like flight tickets, hotel bookings, and tour packages.
Lost or delayed baggage can be a major inconvenience, especially when it contains essential items like medications, important documents, or clothes. Travel insurance provides compensation for such situations, allowing travelers to purchase necessities while awaiting their belongings.
Travel insurance provides financial coverage for unexpected expenses during trips. This is particularly crucial for Indian families and solo travelers, who may not have the means to handle sudden expenses abroad.
Traveling to a foreign country can be stressful, especially when navigating unfamiliar territories and systems. Travel insurance provides 24/7 assistance, ensuring help is available whenever required, including locating hospitals or replacing lost documents.
For thrill-seekers traveling to Leh-Ladakh, New Zealand, or Switzerland for activities like skiing, trekking, or paragliding, travel insurance offers coverage for injuries sustained during such activities.
Single-trip insurance is ideal for those traveling occasionally, covering a specific trip. It provides protection throughout the journey, making it a cost-effective choice for vacationers.
For frequent travelers, multi-trip insurance covers multiple journeys within a specified period, usually a year. It is especially suitable for business travelers and families who travel abroad several times a year.
Indian students heading abroad for education need specialized travel insurance to cover healthcare, study interruptions, and tuition fee reimbursements. This type of insurance is often mandatory for students in countries like the USA, Canada, and Australia.
There are 29 lakh insurance agents and 1.5 lakh financial consultants in India. But BTW Financial services and IMF offer you something that most don’t.
