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Travel Insurance in India: Your Global Safety Net (2025 Guide)

mar 10, 2025

By Capalin Insurance Insights Team

Whether you're planning a dream vacation, a business trip, or studying abroad, travel brings excitement—and unpredictability. From flight delays to medical emergencies, travel insurance ensures you're protected wherever you go. At Capalin, we help you travel smart and stress-free.

What Is Travel Insurance?

Travel insurance is a policy that covers unexpected events during domestic or international travel. It provides financial protection against trip cancellations, medical emergencies, lost baggage, and more.

Types of Travel Insurance Plans

1. Single Trip Insurance

• Covers one journey from departure to return.
• Ideal for vacations or short business trips.

2. Multi-Trip Insurance

• Covers multiple trips within a year.
• Perfect for frequent flyers.

3. Student Travel Insurance

• Tailored for students studying abroad.
• Includes medical cover, sponsor protection, and study interruption.

4. Senior Citizen Travel Insurance

• Designed for travelers aged 60+.
• Includes higher medical coverage and emergency services.

5. Domestic Travel Insurance

• Covers travel within India.
• Includes trip delays, cancellations, and personal accident cover.

What’s Covered?

• Medical Emergencies (hospitalization, evacuation, repatriation)
• Trip Cancellation or Interruption
• Loss of Passport or Baggage
• Flight Delays or Missed Connections
• Personal Liability
• Hijack Distress Allowance

What’s Not Covered?

• Pre-existing medical conditions (unless declared and covered)
• Traveling against medical advice
• Adventure sports (unless add-on is taken)
• War or terrorism-related incidents (in some policies)

How to Choose the Right Plan

• Destination-Specific Coverage: Some countries require mandatory insurance.
• Duration of Travel: Choose between single or multi-trip plans.
• Purpose of Travel: Business, leisure, study, or medical.
• Medical Coverage Limits: Especially important for countries with high healthcare costs.

Tips to Save on Premiums

• Buy Early: Covers trip cancellations before departure.
• Bundle with Family: Family floater plans are more economical.
• Compare Plans: Use Capalin’s platform to find the best value.
• Avoid Over-Insuring: Choose coverage that matches your actual needs.

Why Capalin?

At Capalin, we make travel insurance effortless:

• Instant policy issuance
• Global coverage options
• 24/7 emergency assistance
• Transparent comparisons