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Personal & Business Insurance

Travel Insurance

Domestic and international travel cover for business or leisure, including trade-fair and sourcing trips.

Departure
Cover in place
Medical / emergency support
Safe return
Overview

What is Travel Insurance, and why does it matter?

Travel insurance covers medical emergencies, trip disruptions and baggage-related losses while you're travelling, domestically or internationally. For business travellers — trade fairs, sourcing trips, client visits abroad — it sits alongside standard leisure cover but is often selected with an eye to specific trip patterns and durations.

Who should consider this

Risk

Risks this cover helps address

Coverage

What can be covered

Medical & emergency evacuation

Covers emergency medical treatment abroad and, where included, emergency evacuation.

Trip cancellation cover

Reimburses non-refundable costs if a trip is cancelled for a covered reason.

Baggage & personal-effects cover

Covers loss, theft or delay of checked baggage and personal belongings.

Business travel cover

Structured for business travellers — trade fairs, sourcing trips and client visits — alongside standard leisure benefits.

Optional covers & add-ons

Read carefully

What's typically excluded

Every policy is different — this is a general guide to the kind of exclusions common in this category, not a list for any specific policy.

Buying & documentation

What affects your premium, and what you'll need

Premium factors

  • Destination(s) and trip duration
  • Traveller's age
  • Sum insured selected
  • Single-trip vs. annual multi-trip cover
  • Any add-ons selected

Documents usually needed

  • Passport and visa copies
  • Travel itinerary / tickets
  • Proof of trip cost, for cancellation claims
  • Medical reports, for a medical claim
  • Police or airline report, for baggage claims
If something happens

How a travel claim works

1

Contact the emergency helpline first

For a medical emergency abroad, contact the insurer's or assistance provider's helpline before paying large bills out-of-pocket, where possible.

2

Keep all documentation

Medical bills, prescriptions, reports, and for baggage issues, an airline or police report.

3

Report promptly

Most policies expect losses to be reported within a defined window.

4

Notify us or your insurer

Share your policy number and the circumstances of the claim.

5

Submit and settle

The insurer reviews the claim and supporting documents against your policy terms.

For full step-by-step guidance and a claim assistance form, visit the Claims Centre →

Learn more

Understanding Travel Insurance

Video Guide Coming Soon

We're preparing a short explainer on travel insurance. In the meantime, the sections above cover the essentials — or get in touch with a question.

FAQ

Frequently asked questions

Does travel insurance cover COVID-19 or other illness-related disruption?

Coverage for illness-related trip disruption varies significantly by insurer and plan — this is worth confirming explicitly for your specific trip rather than assuming either way.

Is an annual multi-trip policy worth it?

If you travel several times a year, it's often more convenient and cost-effective than buying single-trip cover each time — we can help you compare based on your actual travel pattern.

Does travel insurance cover a trip within India?

Domestic travel cover exists and typically focuses more on trip disruption and baggage than overseas medical costs, given domestic healthcare access — ask us about what's actually relevant for a domestic itinerary.

You may also need

Related cover worth considering

Ready to get a travel quote?

Tell us what you need covered — no payment or policy details required to start the conversation.

Actual coverage, exclusions, limits, deductibles, eligibility and terms depend on the insurer, the policy you select and underwriting. This page is general information, not a quotation or a guarantee of cover — nothing here is a substitute for reading your policy wording, and no coverage exists until a policy is issued by the insurer.