Overseas insurance (travel insurance) is crucial because it protects you from major financial losses due to unexpected events like medical emergencies (which are very expensive abroad), trip cancellations/delays, lost luggage, or passport loss, providing essential coverage and peace of mind so you can enjoy your trip without worrying about hefty bills or logistical nightmares. It acts as a financial safety net for unforeseen circumstances in foreign countries, covering costs your domestic health plan won't.
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International travel insurance, also known as overseas or foreign travel insurance, is a financial coverage designed for tourists, students, business travellers, and anyone planning to travel abroad from India. It provides comprehensive protection against unexpected events like medical emergencies, flight cancellations, lost baggage or passport, and personal liability.
You should purchase it before your journey begins to ensure you're covered from the moment you travel. While it can’t prevent travel hiccups, it helps you manage them confidently with 24/7 assistance and financial support, no matter where in the world you are.
Digit International Travel Insurance offers simple, flexible plans that cover everything from medical emergencies to passport loss, from trip cancellations to even adventure activities, all with easy digital processes. With quick claim support and zero paperwork, it’s built to help you travel smarter, safer, and stress-free.
Yes, travel insurance is mandatory for visiting certain countries from India, such as those in the Schengen zone. While not all countries require it, having international travel insurance is highly recommended; it not only protects you from unexpected situations abroad but can also strengthen your visa application in many cases.
International travel insurance is categorised based on the purpose of your foreign trip, its duration, the type of coverage and your needs. Here are some common types:
International Travel Insurance:
An international travel insurance is useful for a foreign trip. In many countries, it is mandatory to have travel insurance with you while applying for your visa. This protects you from unforeseen expenditures.
Individual Travel Insurance:
An individual travel insurance plan is suitable for those who love going on solo trips. Considering the multiple things that can go wrong, it is important to be cautious, especially when travelling alone.
Student Travel Insurance:
If you’re a student wanting to go abroad on an educational basis, then this plan is for you. Designed keeping the needs of a student in mind, this student travel insurance plan offers beneficial coverages.
Group Travel Insurance:
This plan benefits the whole group of travellers for unforeseen expenses or losses incurred during the trip. A significant advantage of this plan is reduced costs than individual plans for each traveller.
Corporate Travel Insurance:
The Corporate travel insurance plan is offered to an employee who is travelling on a business trip. This plan is purchased by the firm or employer, to secure the safe travels of the employee.
Famly Travel Insurance:
Covering the immediate family members of the policy holder under a single plan, this type of international family travel insurance is designed for Indian families that travel together to foreign countries.
Senior Citizen Travel Insurance:
Travelling above the age of 60 trails its own risks along. That’s why having a travel insurance for senior citizens in hand saves you from unexpected issues like medical expenses, unpredictable financial emergencies, etc.
Schengen Travel Insurance:
A Schengen travel insurance is one that is applicable when travelling to the 29 Schengen countries. This plan secures you from financial losses. You can also avail of many benefits as defined by the policy you opt for.
Annual or Multi Trip Travel Insurance:
An annual or multi-trip travel insurance plan is suitable for year-round trips mostly undertaken by those in the corporate sector. If you travel often or more than once in a year, then this plan is suitable for you.
Single Trip Travel Insurance:
A single-trip travel plan fits those who travel abroad occasionally. It includes protection against medical emergencies, lost baggage, trip delays, and unforeseen expenses, ensuring a smooth and financially secure travel experience.
Travel comes with surprises—some good, some not-so-great. Travel insurance can turn your trip into a great one. It ensures you stay covered, stress-free, and financially secure. Here’s why it’s a must-have for every trip!
Offers Reimbursement for Flight Delays:
Flight delays are frustrating, but what if you got compensation every time it happened? With travel insurance, you do!
Gives Compensation for Delayed or Lost Baggage:
Baggage losses are horrible, no doubt, but so are baggage delays! If your bags arrive late or are lost, you’ll receive compensation.
Provides Coverage for Medical Emergencies:
Even a minor illness abroad can be shockingly expensive. Your insurance takes care of your hefty medical costs.
Ensures a Stress-free Road Trip:
Travel insurance covers damage to your rental car and even third-party liabilities, so you can enjoy your road trip worry-free.
Assures Protection from Financial Losses Abroad:
Missed flights, trip cancellations, or lost belongings can burn a hole in your wallet. A policy ensures you don’t have to bear these losses alone.
If that’s a question you’ve been battling with, read on.
5.80 luggage per 1000 luggage is reportedly mislaid by airlines every year.
1 in 4 passengers have lost their checked-in baggage in the last 3 years.
Medical expenses cost 3 to 5 times more outside India.
47% of baggage loss happen during international transfers.
Phones, Bank Cards, Licenses, Jewellery, Electronic Gadgets & Passports are the commonly lost belongings while travelling.
Cancelled flights across the countries ranged from 1.5% to 3.2%.
Trip cancellation, flight cancellations and delays have always been leading causes for travel claims.
Travel scams are extremely common in tourist-heavy countries.
The best time to buy travel insurance is right after booking your international trip. This approach ensures coverage for the entire duration of your journey, including potential issues that may arise before departure, such as flight delays or cancellations.
Many travellers delay buying insurance thinking they can do it later, but the longer you wait, the more vulnerable you are to losing money or facing complications due to uncovered risks.
Here are some key reasons why early purchase is highly recommended:
Covers Pre-Trip Disruptions:
From flight cancellations and delays to personal emergencies, travel insurance can cover non-refundable expenses even before your trip begins.
Protects Against Dynamic Risks:
As global travel becomes more unpredictable due to weather changes, health advisories, or strikes, early insurance offers a safety net for evolving travel conditions.
Provides Peace of Mind:
Having insurance from the start allows you to plan and prepare for your trip with confidence, knowing you're financially and medically protected.
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