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Travel Insurance FAQ, Questions and Answers

Why do I need Travel Insurance? Do I need to take travel insurance each time I make a trip or is one policy valid for multiple trips made over a period of time? Who can take travel insurance? Is travel insurance mandatory for all countries? What are the things to look for while choosing a travel insurance plan? How to buy insurance online? I have already left india and forgot to take travel health insurance,can I still buy? I have to visit USA and Canada for a few days and then any place excluding USA and Canada ,what coverage area should I choose? My travel medical policy has expired and I forgot to extend same. Can I get it extended now? Can I buy Overseas Travel Insurance If I am traveling on an immigrant visa? I have made payment for instant travel insurance policy and the amount has been deducted from my account but I have not received the policy. What should I do? I want to take a travel insurance and want to know how will you deliver the policy? I have taken a travel insurance policy but my travel dates have changed(postponed). Can I use the same policy? I have taken an instant travel insurance policy but there are some mistakes like spelling, address, passport no., nominee name. What can I do? There are more than 90 days left for my travel start date but I need my travel insurance policy for visa. What should I do? I have purchased tickets for my overseas trip and my travel itinerary is final. When should I buy my travel insurance policy? Can a minor become assignee in travel insurance? I am going on Kailash Mansarover yatra. Can I get travel health insurance for it? I have China visa. When does the travel insurance cover begin? Till when is the travel insurance policy valid? Do I need to carry the policy along with me? How much of the hospital expenses are covered by the policy? Is it 100%? Is there a cap on the hospital amount per day? Is medical examination necessary for travel insurance policy? When and where are medical tests to be done? I am over 70 years old. Do I need to take medical tests? What are the Medical tests required? Are the expenses for the test a part of the overseas travel insurance policy or additional? Do I need to go to the doctors specified by travel insurance policy? How can I make any change (addition/deletion/change in name or address etc) in my present overseas travel insurance policy? Are there any sub limits like room rent, etc? Can I get a refund if there is change of plan? What is the procedure for issuance of a duplicate policy? Is there any travel insurance plan without Medical Cover? Is there any travel medical insurance plan which covers Drug Abuse, Cancer Screening, Inter collegiate sports, child care, Mental & nervous disorders, pregnancy? My parents are quite healthy and coming to USA to visit us. Do we really need overseas medical insurance for them? If I lose my passport, will that be covered under overseas medical insurance? What happens if my baggage is delayed for more than one day but not lost? Will I get some compensation? How do I know the limit of each type of expenses, what expenses are covered or not? What are pre-existing conditions? Is there a cover for pre-existing medical conditions? My mother has diabetes and she needs to take insulin injection every day. Is that covered in overseas medical insurance? What is the point of buying overseas medical insurance if it does not cover pre-existing medical conditions? These are the ones we need to get covered. Probability of other illnesses is very low anyway. What are the things to look for while choosing student travel insurance plan? Is pregnancy covered in overseas health insurance policy? I am going for pilot training. Does my overseas health insurance cover medical expenses to treat the injuries sustained during the training period? I am looking at some of the travel insurance plans and some of them cover up to $200,000, but on the same note, it says hospitalization maximum limit is $25 per day.Can you please clarify this? What is trip cancellation and interruption benefit and what is covered in it? I have taken a rental car abroad. Is the damage to the rental vehicle covered under overseas health insurance policy? Do we need to pay upfront in case of a medical treatment and then claim, or the insurance policy will pay upfront? What is a TPA (Third Party Administrator)? From where can I get the claim form to make a claim? In case medical treatment is required, is there any need for any pre-approval before hospitalization? Would I be reimbursed for the medical expenses incurred abroad, if I go specifically for the purpose of seeking medical treatment? In case I lose my baggage, how do I claim? What if in an emergency I don't have time to call up? Can I continue my treatment of the disease which happened during my travel abroad, in the home country, after expiry of my policy? If I am evacuated on grounds of medical reason, can I continue my treatment in India? Which doctors/hospitals can I visit? How and where can I register a claim? What are the documents required? My mother is hurt during transit,will medical expenses incurred to treat her are covered?

FAQ Disclaimer

Travel Insurance FAQ are provided for informational purposes only. We don't guarantee on the accuracy of these answers as answers for some of the questions may change from time to time as and when insurance companies or industry change their policies/rules. Please refer to the policy wording for more detail. Please read our Legal Disclaimer in this regard.