Travel Insurance Online
An insurance policy that offers financial compensation to the policyholder if something goes wrong while on a trip is known as travel insurance. Vacations, business trips, and educational trips are all covered by travel insurance plans.
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What is It Travel Insurance?
In exchange for an affordable premium, a good travel insurance policy offers coverage against a range of emergencies, medical or otherwise. Benefits include compensation for your money or passport theft, medical evaluation, Baggage lost in check-in, missed connections, etc.
During an emergency, the policy will also cover medical evacuation and repatriation, as well as financial assistance. Travel insurance policies with COVID-19 coverage are also available with minimal paperwork.
With travel insurance plans, you can guarantee a safe and hassle-free vacation, starting from the first flight to the stay and the return journey.
Travel Insurance Online: Why should you get it?
Travel insurance policies can be purchased online with several benefits in this digital age.
The following are a few reasons why you should purchase travel insurance online
1The Facility Accepts Cashless Payments
A travel insurance policy can enable you to access cashless medical services anywhere in the world if you are admitted to a network hospital.
2Meets Mandatory Requirements
The majority of countries around the world require travelers to have valid travel insurance before applying for a visa. You can therefore look up plans online and get a ticket after purchasing one of India's best travel insurance plans from Square Insurance. if you are planning on visiting any of these countries.
3Comparison Of Plans Online Is Easier
Online, you can compare multiple travel insurance policies from different insurers at the same time and in your budget.
4Agents Are No Longer Required
Travel insurance can no longer be purchased from an insurance agent. If you compare travel insurance online, you can develop a plan that suits your budget.
5Minimal Documentation Required
It is unnecessary to fill out multiple forms and submit various documents when purchasing a travel policy online. All you have to do is complete the online form to buy the policy.
6Contactless Purchases
During this time of the COVID-19 pandemic, where social distance is the norm, you can buy a travel insurance policy online without having to meet anyone.
7Purchase Policies Instantly
You can purchase travel insurance online much more quickly since the policy is issued almost immediately. A policy can also be purchased without visiting the insurer's office. As there are so many options on the market, it's easy to compare features of different policies and buy them quickly!
The benefits of travel insurance
Get Travel medical insurance that provides the following features when you go on vacation
COVID-19 Covers
Since COVID-19 wreaked havoc on everyone's travels, many insurance providers have provided this benefit. Travel insurance plans are subject to so many safety guidelines and restrictions. Most insurers will assist you in the following situations
- If you, another traveller, or a member of your immediate family is diagnosed with the disease, you will be compensated. Hotel booking, ticket costs and non-refundable amounts will be refunded in such a case.
- In the case of a lockdown in your destination country, your travel insurance will be automatically extended for the specified period.
- If you or a travelling companion is diagnosed with COVID-19 abroad, your travel insurance plan will cover any medical expenses incurred due to the diagnosis.
Medical Covers
Is there anything worse than getting sick while travelling? This is especially true during a holiday when you have a budget to keep.
The following is how travel insurance can help you in case of medical expenses
- In an accident or sudden illness, your travel insurance policy will cover medical expenses.
- After being hospitalized abroad, or if you die in an accident and need to be evacuated back to India, your repatriation policy will cover the costs necessary in repatriating your remains back to India.
- Specifically for international students, this is a study interruption program. They will receive a refund of their unused tuition fee if they cannot complete their studies for the reasons listed.
- Travel insurance plans provide two-way tickets for family members to visit if you are hospitalized abroad.
Journey Coverage
- Your Travel insurance international policy will cover any emergencies you face while travelling. Some of these are briefly discussed below
- Travel Assistance: Whether you're travelling to a new country or city, your travel insurance will provide you with every type of urgent assistance, from legal advice to steps to obtain a residence permit duplicate passport.
- The policy will be extended for a fixed period if your flight is delayed for some days and your trip is extended.
- If your flight is delayed by more than 12 days for some reason, your travel insurance policy will cover any additional expenses that you may have incurred as a result.
Add-On Covers/Optional Covers
With today's travel insurance plans, you can easily customise your coverage by choosing from a range of 'extra benefits' called options or add-ons. The usual programs don't offer these, so they come with an extra premium, but they provide a lot of protection from specific risks that otherwise aren't included
Adventure Sports Cover
You can take advantage of this add-on when travelling abroad so you can enjoy winter sports, adventure activities, etc. The travel insurance plan will cover any medical expenses incurred while participating in these activities.
Theft Cover
If you, unfortunately, lose your luggage or become a victim of theft, this optional coverage will provide you with emergency cash meant for your immediate expenses while you're away.
Insurance Coverage For Burglary And Fire At Home
This add-on protects when you are abroad, you can protect your house against break-ins, thefts, or fires.
Hotel Accommodation In Case Of Emergency
If your trip is extended for any urgent reason, this optional coverage will reimburse you for your additional accommodations.
Pregnant Women Cover
Pregnant women travelling with travel insurance generally don't have any maternity coverage or benefits. The add-on is designed to ensure that travelling mothers-to-be are protected from the start of their journey.
Minor Child Cover
If you're travelling with a child under the age of 18 or a baby, this add-on will cover you for expenses.
Travel Insurance Portability
It is a relatively new feature that several Domestic travel insurance companies in India now offer. With this feature, you can switch insurance providers without losing any of the benefits of your previous policy.
Specific Steps Must Be Followed
Your insurer should be notified of portability requirements ahead of time, which can be a month or as specified in the policy. However, there is a chance that the new insurer will vary the premium. You can choose from a wide array of travel insurance plans with different features and benefits. Before buying a travel insurance plan, compare online the best options with us at Square Insurance.
In India, there are different types of travel insurance plans. Various types of travel plans have been developed to meet the needs of people of all ages, whether they are children, adults, students, or seniors.
Listed below are the different types of travel insurance plans available in India
1Domestic Trip Insurance
Travelers within the geographical borders of India are eligible for this type of insurance policy. The policy financially protects individuals and families travelling within the Indian states in unforeseen travel emergencies. Coverage includes medical coverage, baggage loss coverage, and personal accident coverage, among others.
2International Trip Insurance
Individuals and families travelling overseas can purchase this type of coverage. In addition to medical and dental benefits, the plan provides financial assistance for flight delays, trip cancellations, loss of passports, personal liability, delayed baggage, and hijack distress. Several insurance companies offer coverage for the traveller's home back in India as part of this plan.
3Schengen Travel Insurance
An overseas travel insurance plan that offers customised coverage for people travelling to one or more countries in a Schengen country. The policy protects the insured travellers from financial losses resulting from unforeseen emergencies. A few common coverages in this type of trip/travel insurance include medical cover, lost passports, baggage delay, lost baggage, personal liability, accident coverage, and accidental death & dismemberment (common carrier). A Schengen visa applicant must obtain a minimum medical coverage of Euro 30,000. If you are travelling alone, we recommend our Schengen Travel plan. You may also choose the World Excluded/Included plan if you prefer. Select USA & Canada if you are going on an extended family holiday.
As the names suggests is designed specifically for travelers wandering around any of the Schengen countries. Austria, Denmark, France, Germany, Italy, Netherlands and Switzerland are some of the popular Schengen countries.
- Zero paperwork and an affordable premium make your holiday quick and easy
- Choice of varied travel insurance plans from individual to single policy for the entire family
- Cashless hospitalization
- Cover for expenses due to lost passports or check-in baggage
- Cover for missed, delayed or cancelled flights
- Varied duration of trips, our travel insurance covers trips as long as 182 days and even extend up to 365 days
- Minimum sum insured of €30,000, as per the Schengen Visa requirements
- Quick and hassle-free settlement for your claims in Euros
ASIA Travel Insurance
We Offer Travel Insurance With Low Premiums And Zero Paperwork.
- A variety of convenient facilities are available
- Paying for hospital services without cash
- A hospitalisation that involves inpatients and outpatients
- Passports and check-in baggage are covered in case of loss
- Flight cancellations, delays, and missed connections are covered
- Life-threatening situations can be covered despite pre-existing ailments
- The overseas travel insurance plan covers all countries in Asia except for Japan
- Your claims will be settled quickly and without hassles
- cashless hospitalization
- in-patient and out-patient hospitalization
- cover for expenses due to lost passports or check-in baggage
- cover for missed, delayed or cancelled flights
- Coverage of pre-existing ailments in case of life threatening situations
- Coverage available for all countries in Asia, except Japan for which you can get covered under the overseas travel insurance plan
- Quick and hassle-free settlement for your claims
4Family Travel Insurance
The policyholder, their spouse, and dependent children are usually covered under this type of insurance. Individual and family floaters typically offer the same sum insured. Medical expenses, loss of passports, liability coverage, baggage loss or delay, and many more are covered for all insured family members.
5Senior Citizen Travel Insurance Policy
Specifically designed for older people, this insurance plan is tailored to their needs. In India, most travel insurance providers offer policies to travellers above 60 years, just as with health insurance. In the same way as international travel insurance, it protects travellers from unpredictable financial emergencies, such as medical bills, dental bills, repatriation of mortal remains, loss or delay of luggage, medical evacuation, etc.
- Our senior citizens' international travel policy covers 61-70-year-olds
- A variety of trip durations are available, including trips as long as 182 days and even as long as 365 days
- We make holiday planning less stressful with zero paperwork and affordable travel insurance
- Providing Facilities That Are Convenient
- Paying for hospitalisation without cash
- assports and check-in baggage are covered in case of loss
- Cancellation, delay, or missed flight coverage
- You are extending your travel insurance policy automatically in case of medical emergencies or evacuations (30 days) and delays by common carriers (up to 7 days).
- Prior illnesses are covered, especially if they are life-threatening.
- International Travel Policy specially designed for senior citizens between the ages of 61 to 70 years
- Varied duration of trips, we cover trips as long as 182 days and even extend up to 365 days
- Zero paperwork and an affordable travel insurance premium make holiday planning less stressful
- cashless hospitalization
- cover for expenses due to lost passports or check-in baggage
- cover for missed, delayed or cancelled flights
- Automated extensions for your travel insurance policy in case of medical emergencies or evacuation (30 days) and delay of common carrier (up to 7 days)
- Coverage of pre-existing ailments, especially in case of life-threatening ailments
6Student Travel Insurance
Students travelling abroad for studies can take advantage of this student-friendly insurance plan. The plan comes with an extended validity of up to 2 years. Aside from the basic coverage of an overseas health insurance plan, it offers students additional coverages such as sponsor protection, study interruption, medical evacuation, bail bond, and two-way compassionate visits for the insured and their family members, among others.
Education abroad is the norm now. You get new opportunities, new experiences and a sense of independence. What happens if you fall ill and are forced to skip a semester? This is when a student insurance comes into picture. With a Student Travel Insurance in place that’s tailored for students, we got you covered. Here are some key features of the cover that make it a must for every student
- Secure total peace of mind during emergencies
- Smooth and hassle-free claim settlements
- Customized duration of policy period as per academic course requirements
- No medical test required
- Coverage of emergency expenses incurred due to sudden illness, injury, death as well as medical evacuation to India
- Includes cost for issuing a new or duplicate passport in the event of a loss
- Reimbursement of current semester fees( paid) in event of a medical issue disrupting your education
- Compensation for death and permanent disability while traveling in a common carrier
- Reimbursement of tuition fees in the event of your education sponsor passing away due to an injury
7Business Travel Insurance
This type of insurance plan is designed to meet the needs of corporate travellers travelling on business. Usually, the validity of such an insurance policy is up to one year so that the insured traveller can take several trips. It covers flight delays, medical expenses, baggage loss, missed connections, etc.
8Group Travel Insurance
Usually, it is used by people organising tours, industrial training, official tours, or pilgrimage tours. Both domestic and international travellers can purchase such policies with many insurance companies. The guidelines usually cover personal accidents as well as baggage. Insurance companies determine how much coverage is covered.
9Medical Travel Insurance
An international medical insurance policy provides financial assistance in a medical emergency abroad that may require hospitalisation. Hospitalisation, daycare, dental, medical evacuation, and repatriation of remains are some of the costs covered by such policies.
10Annual Multi-Trip Travel Insurance
Those who travel abroad more than once a year are eligible for this type of policy. It provides the same level of protection for every journey without buying travel insurance online beforehand.
- A multi-trip international travel insurance policy with a validity period of one year
- Varied duration of trips, we cover trips as long as 182 days and even extend up to 365 days
- No paper work & medical check-up
- cashless hospitalization
- cover for expenses due to lost passports or check-in baggage
- cover for missed, delayed or cancelled flights
- Coverage of pre-existing ailments in case of life threatening situations
- Quick and hassle-free settlement for your claims
11Travel Insurance For One Trip
This type of plan covers a traveller only once. The journey's validity begins with the departure and ends with the return. Aside from medical coverage, this international travel insurance offers non-medical benefits like delay and loss of luggage, personal liability, etc.
Travel Insurance - Other Types Plans
1Baggage Insurance
You need baggage insurance when you lose your luggage during your trip due to theft or another mishap. You might suffer some massive losses as a result of such accidents, ruining your entire trip. If your luggage gets damaged or lost while travelling, you can always rely on baggage insurance to get compensation.
2Flight Insurance
The custom-designed travel insurance plan covers an insured traveller against any unforeseen flight-related emergency. He is protected against any adversity he may encounter during their flight or as a result of negligence on the airline or their staff. There are comprehensive coverages for both health insurance and baggage insurance, including flight delay, medical coverage, accidental death & dismemberment coverage, delay or loss of check-in baggage, flight cancellation, flight hijack, and missed connections.
What Is The Best Way To Choose Travel Insurance? Where And When Should You Buy It?
When buying travel insurance, ensure you weigh your options carefully and give it a lot of thought
1Travel Frequency
If you are a frequent traveller, you are better off with a multi-trip travel insurance plan that will be cheaper and save you the hassle of repurchasing it. If you don't wish to purchase a multi-trip plan, you should get a plan for your entire trip.
2Travel Destination
Whether your destination is an international or domestic trip, whether you are going to the US or a Schengen country, your requirements will be distinct and will also be different in cost. Furthermore, many countries require international travel insurance to issue a visa, so the amount insured and other requirements and the premium can vary dramatically.
3Trip Duration
Depending on the duration of your stay, your travel insurance policy will be calculated. Travel insurance policies are typically purchased with a term slightly more significant than their total trip duration so that any sudden changes can be accommodated without incurring an additional premium.
4Number Of Travelers
If you are travelling alone, you can purchase individual travel insurance, or if others are travelling with you, you can buy family floater insurance. Your insurance company needs to know how many people will be travelling with you.
5Claim Procedure
If you are purchasing travel insurance, make sure to research the insurer, their claim-settlement ratio, as well as any claim limits they set with different benefits. Each policy has a specific limit up to which they will pay for your claims.
Make sure you compare different travel insurance plans at Square Insurance to find the best coverage for your next trip! Should you face adversity while travelling, your travel insurance company will assist. Therefore, you should choose travel insurance that provides maximum coverage for any risks you encounter while travelling.
If you wonder how to purchase the best travel insurance policy, it is simpler, faster, and more convenient to buy it online. You can compare multiple plans and filter them by your specific needs using Square Insurance.
Conclusion
- Understand the options you have for insurance coverage.
- Buy travel insurance, Find the best deal. Enjoy peace of mind.
- Policy Issuance in Five Minutes on Square Insurance.
- You are no more waiting in line for hours on end for your insurance paperwork. With Square Insurance, you'll have instant coverage. From selecting the best insurance policy to getting it issued, the entire process takes just 5 minutes on Square Insurance.
- More than 11.5 million satisfied customers of Square Insurance.
Why Choose Square Insurance?
- 1India is becoming familiar with Square Insurance:- Our transparent and quick process, a dedicated support team, and the availability of several insurance carriers have helped us provide a delightful experience to more than 11.5 lac customers so far.
- 2Dedicated Support Team:- We have a dedicated support team available to assist you every day. Whether you need assistance with the purchase of an insurance policy or service during the settlement of a claim, our team of experts is at your disposal all day long.
Travel Insurance FAQ's
An insurance policy is a legal contract between an insured and an insurance company that provides compensation in case of loss. Covered events are speculative, meaning they can occur or not. As a result, an insurance policy protects the policyholder from potential losses due to such contingent events. The insured must pay a premium to the insurance company in exchange for this promise.
You and your loved ones must be protected against unforeseen events like accidents, illnesses, and natural disasters. Insurance is one of the easiest and most cost-effective ways to protect yourself against these contingent events that may cause financial loss.
Before travelling, travel insurance is a must. The second requirement for obtaining a visa is overseas travel insurance. When travelling for business, vacation, or education or research, buying a good travel insurance policy can still be necessary. Travellers may face high medical costs, risks, and accidents associated with medical treatment in their destination country. Before going on a trip, it is essential to purchase suitable travel insurance to protect the traveller's interests and keep their financial situation in check.
Pre-existing conditions are generally not covered by most insurance companies. As a result, it is always a good idea to check with your insurance provider or agent before scheduling medical tests required and the necessary reports to be submitted at the time of purchase of the policy. Make sure the health records are current.
The policy documents should be studied carefully to be aware of such situations. The majority of the time, prior approval would be required, although there might be exceptions depending on the nature of the emergency.
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