Travel Insurance

Frequently Asked Questions

• Is travel insurance compulsory?

  For trips to certain countries, travel insurance is a mandatory requirement. For other countries too, where it may not be mandatory, one can prudently choose to invest in a customised travel insurance policy to mitigate the financial liabilities arising out of possible trip-related risks.

• What is travel insurance?

  Travel insurance is a type of coverage under which various financial liabilities arising out of possible travel risks are provided. A travel insurance plan covers associated risks for all types of journeys, whether business or leisure. Coverage under the policy is usually provided for the entire trip duration and the selected policy type defines the types and extents of coverage available. Popular coverage options to choose from extend to verticals like emergency medical assistance, on-trip illnesses, trip cancellation/delay, baggage loss/delay, passport loss, missing flight, insured’s unfortunate demise/permanent partial disability, etc.

• Can I buy travel insurance online after making my travel bookings?

  Yes, once you have made your travel bookings, you can conveniently buy travel insurance online from your selected insurer’s official website or app.

• How does travel insurance work?

  Once you have selected the policy with desired coverage, the insurer provides claims towards financial liabilities arising from the occurrence of any covered event up to specified limits during the policy term. Various facility assistance are also available as coverage. Claims can be made either as reimbursements or in a cashless form.

• What is the age limit for availing travel insurance in India?

  There is no specified age limit for availing travel insurance in India if the individual has a healthy physical disposition. Nevertheless, the cost of policy premiums climbs a notch for individuals above 70 years of age.

• Can business travellers purchase travel insurance?

  Yes, all types of travellers, including business travellers, can purchase travel insurance.

• Is travel insurance mandatory only for countries in the Schengen Area?

  No, travel insurance is mandatory for many other countries along with those in the Schengen Area.

• Can you buy travel insurance if you are 80 years old?

  Yes, we provide travel insurance for all senior citizens, including for individuals who are 80 years of age or above.

• Can I get a travel insurance policy if I am found COVID-19 positive?

  No, you cannot get a travel insurance policy with COVID-19 coverage if you are already COVID-19 positive. The coverage is available only for impending risks of contracting COVID-19.

• How much does a travel insurance plan cost?

  The cost of a travel insurance plan varies with different policy aspects. Top factors that impact the cost of travel cover include total sum assured, types of coverage and their underlying risks, traveller’s age, number of countries covered, etc.

• In which countries is it mandatory to carry a travel insurance policy?

  Some countries where it is mandatory to carry a travel insurance policy include Cuba, the Schengen Area, Turkey, Qatar, Ecuador, Antarctica, Russia, Lebanon, the UAE, Iran, Algeria, Ukraine, etc.

• Which countries are not covered by travel insurance?

  There is no such specification for non-coverage of any country under travel insurance. You can avail of travel insurance coverage on a country-to-country basis with applicable and/or customised coverage benefits.

• Why is travel insurance needed for international travel?

  Travel insurance is needed for international travel as it helps mitigate the financial liabilities and inconveniencies arising out of unforeseen events while on the trip. These contingencies broadly include medical emergencies, trip interruptions, flight delays, checked-in baggage loss/delays, loss of passport, missed flights, insured’s permanent partial disability, unfortunate demise, etc.

• How do I select a travel insurance policy?

  You can select a travel insurance policy based on some top considerations. They include checking for the mandatory coverage requirements, if any, possible risks inherent in the trip, required coverage benefits and journey duration.

• What are the modifications possible to a travel insurance policy?

  When purchasing a travel insurance policy, the modifications possible relate to the date of birth, name and passport number. Such changes can be made before the policy term starts.

• How to buy a travel insurance plan online?

  The process of buying a travel insurance plan online is simple. Go to the insurance page of GoIbibo and choose travel insurance as your preferred service. Then, provide the required trip details on the page like preferred country, journey dates, total number of co-passengers, etc. You can then provide your personal details and pay the premium amount online to complete the purchase. The policy coverage shall, however, begin from the chosen date of journey commencement.

• Does travel insurance cover COVID-19?

  Yes, travel insurance can cover COVID-19 and related expenses if you choose a policy under which COVID-19 benefits are available. For many travel insurance policies, COVID-19 coverage is also available as a top-up benefit. You can check the related policy documents to understand the extent of benefits under international travel insurance with COVID coverage.