Are There Different Types Of Travel Insurance As Per Needs?

Travel Insurance

Online travel insurance covers travel risks. It covers trip cancellation, baggage loss, medical expenses, and other losses. For domestic or international travel losses.

Tour insurance

Travel insurance is a general insurance policy. It protects against travel-related damage and costs. It benefits frequent domestic and international travellers. Travel insurance can protect against:

  • Personal belongings/baggage loss
  • Bag/personal property theft
  • Passport loss
  • Cancellation/delays
  • Accidents/Emergencies
  • Deceased insured
  • Insured’s disability
  • Hijack
  • Rescue
  • Missed connection/departure
  • Flight/hotel cancellation

Remember to check the travel insurance policy for coverage. Additional risks may be covered. Cheap travel insurance plans often cover additional risks for a fee. Some travel insurance policies are specific to the traveller or the destination.

Vacation insurance

Domestic and international travel insurance policies exist. Insurance companies usually offer single-trip travel insurance when booking a trip. Multiple-trip policies are available. Travel package sellers usually offer such policies. Insurance companies sometimes partner with ticketing companies/websites/apps. These are some travel insurance types:

  • Single-trip travel insurance – Covers one trip only.
  • Multi-Trip Policy – Frequent travellers should get affordable travel coverage. It covers multiple trips to certain destinations for a year or more. This helps frequent flyers and businessmen.
  • Educational Travel Insurance Policy – This policy benefits students on educational trips, especially abroad. The trip usually lasts 30–45 days.
  • Group Policy – Too many travellers can opt for a group policy. Group insurance policies cover a maximum number. When groups from different countries travel, insurance companies usually offer such deals. It also depends on the group’s age and is cost-effective if travelling in a group.

Custom travel insurance

Insurance companies may offer customised policies. For seniors or families. They can create medical travel insurance policies that cover medical costs extensively. Customised corporate policies can also benefit businesses.


As mentioned, cheap travel insurance plans can cover several costs and offer major benefits.

Luggage perks

This insurance covers lost luggage. Loss, burglary, or theft. These policies may cover lost bags, passports, important documents, cash, or personal belongings. Emergency evacuation or other mishaps can also protect luggage costs.


Travel insurance covers trip cancellations and delays. Weather, strikes, or other factors may cause cancellations/delays. They will also offer toilets, clothing, and food. If you have travel insurance, you can get reimbursed for emergency trip cancellations or delays.

Medical benefits

This international travel insurance for health covers hospitalisation and medical costs. It covers travel-related medical emergencies, illnesses, and injuries. Hospitalisation, ambulance, and others are covered. In panelled hospitals, insurers arrange cashless hospitalisation.

Other benefits

Customised policies for frequent travellers, groups, and seniors are available. Because general travel insurance policies may not meet their coverage needs. Thus, some insurers offer customised travel protection policies.

The major travel insurance benefits are listed above. However, insurer policies govern these. Read the T&Cs.

Exclusions include:

  • Drugs and alcohol cause you to lose or hurt yourself. Insurance won’t cover medical or luggage costs.
  • It covers medical costs but not ayurvedic, homoeopathic, or cosmetic surgeries.
  • Pre-existing conditions aren’t covered. Most insurers don’t cover HIV. Travelling against medical advice is also prohibited.
  • Self-harm, suicide, and adventure sports are not covered.
  • If you leave your passport, luggage, or belongings unattended, no coverage. The policy does not cover baggage shipped separately.
  • Uncovered/prohibited destinations are not covered. War-prone areas, for instance, a civil war or terrorist attack.

Travel insurance coverage and exclusions vary (what is not covered). They may have other benefits. Who provides coverage also matters (individuals, groups, students, senior citizens). Read the policy, terms, and disclosures. Before buying, compare policies from different providers. Again, check the travel insurance types to see which one suits your needs. Comprehensive financial protection can cover most issues. Check the premium. Many sites let you compare and buy policies quickly.

The Insurance is a subject matter of temptation. For more Information and details on benefits, limitations, exclusions, , T&C, please read carefully the sales policy/ brochure wording carefully before Purchasing a sale.

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