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What is International Travel Insurance

International travel insurance is a category of insurance that covers unexpected events that can occur while travelling abroad. This can include medical emergencies, trip cancellations, lost or stolen luggage, and other unforeseen circumstances that can disrupt travel plans.


Why is an International Travel Insurance Policy Required

Here are a few reasons why you might require an international travel insurance policy

Medical Emergencies

Accidents and illnesses can happen anytime during your travel and can be costly, especially in a foreign country.

Trip Cancellations

Your trip might be interrupted or cancelled due to unforeseen events such as natural disasters, political unrest, or personal emergencies.

Lost or Stolen Luggage

You may lose your baggage, or it might get stolen, which can be stressful and costly to replace.

Flight Delays or Cancellations

You may face flight delays or cancellations that can disrupt your travel itinerary and incur additional costs.

Emergency Evacuation

In case of a medical emergency, you might need to be evacuated to a nearby hospital or back home, which can be expensive.

Legal Assistance

If you face legal problems while travelling abroad, you might need legal assistance, which can be expensive and difficult to arrange in a foreign country.

Multi-Trip Insurance

This policy covers multiple trips taken within a specific period, usually a year. It offers the same coverage as single-trip insurance but is more cost-effective for frequent travellers.


Key Features and Benefits of International Travel Insurance Policy

Here are the key features of an international travel insurance policy

Medical coverage

The policy may cover emergency medical expenses, hospitalization, and repatriation of remains.

Trip cancellation or interruption coverage

The policy may cover trip cancellation or interruption due to unforeseen events.v

Lost or Stolen Luggage Coverage

The policy may cover the loss or theft of your baggage and personal belongings.

Flight Delay or Cancellation Coverage

The policy may cover additional expenses incurred due to flight delays or cancellations.

Emergency Evacuation Coverage

: The policy may cover the evacuation cost due to a medical emergency.

Legal Assistance Coverage

The policy may cover legal expenses incurred due to legal problems while travelling abroad.

24/7 Assistance

The policy may provide round-the-clock assistance for emergencies.

Coverage for Adventure Activities

The policy may cover adventure activities such as skiing, scuba diving, or bungee jumping.

Region specific Insurance Cover

The policy may have coverage for specific geographies.

Single or Multiple Trips option

The policy may offer multiple trips cover, reducing the premium, as opposed to multiple individual trips.


Inclusions in International Travel Insurance

Here are the most common inclusions in an international travel insurance policy

Loss of Passport

Emergency Medical Expenses

Hospitalization Expenses

Repatriation of Remains

Trip Cancellation, Delay or Interruption

Lost, Delay of Checked-in Baggage or Stolen Luggage

Flight Delays or Cancellations

Emergency Evacuation

Legal Assistance Expenses

Dental Treatment Expenses

Two-Way Compassionate Visit

Daily Allowance for Hospitalization

Accidental Death/Permanent Total Disability

Return of Minor Child

Up-gradation to Business Class Travel

Automatic Trip Extension

Hijack Distress Allowance


Exclusions in International Travel Insurance

Here are a few things which are generally excluded from an international travel insurance policy

Pre-existing Medical Conditions (however there are policies which have this cover, for emergencies where the treatment cannot be delayed)

Self-inflicted Injuries

Engaging in high-risk activities

Illegal or reckless behaviour

Travel to high-risk destinations

Non-compliance with policy terms

Personal Liability due to breach of Law or Criminal Act

Medical Treatment where robotic surgery is required

Beauty/Cosmetic/Reconstructive plastic surgery


Popular Add-on Covers in International Travel Insurance

Medical Cover

Covers medical expenses for illness or injury during international travel.

Personal Accident Cover

Provides financial assistance in case of accidental death or disability during international travel.

Emergency Evacuation Cover

Covers the cost of emergency medical evacuation during international travel.

Cashless Hospitalization

Provides cashless hospitalization facilities during international travel.

Flight Delay or Cancellation Cover

Covers expenses related to flight delays or cancellations during international travel.

Loss of Baggage Cover

Provides coverage for the loss of baggage or belongings during international travel.


How To Buy Online Policy from PolicyLeader

1. Visit Policyleader.com

Visit the official website of Policyleader.com to purchase international travel insurance.

2. Select International Travel Insurance

Choose the type of international travel insurance that meets your requirements from the available options.

3. Enter Travel Details

Enter the travel details, including travel dates, destination, and number of travelers, to get a customized quote.

4. Choose Add-On Covers

Select any additional covers that you may require, such as medical cover, personal accident cover, or loss of baggage cover.

5. Check Premium and Coverage

Check the premium and coverage details for the selected policy and add-ons.

6. Make Payment

Make payment through the available payment options on the website.

7. Receive Policy Documents

After successful payment, you will receive the policy documents through email, which can be downloaded and printed for future reference.

8. Customer Support and Agent Visit

Policyleader.com offers customer support for any queries or assistance required during the purchase process or during the policy period.


How to file an International Travel Insurance Claim

1. Inform the Insurer

Inform the insurance company as soon as possible after the occurrence of an event that may lead to a claim, either by calling their customer service helpline or sending an email.

2. Submit Required Documents

Collect and submit all required documents, such as original bills, receipts, medical reports, and police reports, as per the claim form's guidelines.

3. Fill and Submit the Claim Form

Fill out the claim form with accurate details and submit it along with the required documents to the insurance company.

4.Claim Settlement

Once the claim is processed, the insurance company will inform you of the claim settlement amount and mode of payment.

5. Dispute Resolution

In case of any disputes or disagreements with the claim settlement, reach out to the insurer's customer service department or the ombudsman for dispute resolution.


Documents Required for Family Travel Insurance

  • Passport - A copy of the passport of the insured person is required for the insurance application.
  • Visa - A copy of the visa of the insured person is required for the insurance application.
  • Airline Tickets - A copy of the airline tickets is required for the insurance application.
  • Invoice - A copy of the invoice for travel-related expenses, such as flight bookings, hotel reservations, and transportation, is required.
  • Medical Reports - Medical reports may be required for claims related to medical emergencies or accidents during the travel.
  • Police Reports - Police reports may be required for claims related to theft, loss of belongings, or accidents.
  • Other Documents -Any other documents related to the travel, such as travel itinerary, boarding passes, or proof of ownership for expensive belongings, may also be required depending on the insurer's guidelines.

Why should you choose PolicyLeader for Family Travel Insurance

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24/7 claim support

Policyleader offers 24/7 claim support to ensure that the policyholders can receive timely assistance in case of any international travel-related emergencies. They have a dedicated customer support team that is available round-the-clock to assist with claim-related queries and guide the policyholders through the claim settlement process.

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Customized policy options

Policyleader provides customized policy options to ensure that the policyholders get the best possible coverage as per their specific requirements. Their experienced advisors analyze the policyholder's needs, assess their risk profile, and suggest the most appropriate policy options that offer comprehensive coverage at affordable premiums.

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Expert advice from experienced advisors

Policyleader's experienced advisors are available to provide expert advice to the policyholders, helping them choose the best policy that suits their travel requirements. They can assist with selecting the most appropriate policy options, understanding the policy features and benefits, and answering any queries related to the policy.

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Multiple insurers under one roof

Policyleader has tied up with multiple insurers and offers a wide range of policy options under one roof. This ensures that the policyholders can compare and choose from the best policies from leading insurers. Additionally, they have a strong presence and experienced insurance brokers in Gujarat and around the country, providing personalized and professional service to the policyholders.

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Simple and hassle-free process

Policyleader provides a simple and hassle-free process for buying corporate travel insurance. The policyholders can complete the entire process online, including comparing policy options, selecting a policy, and making the payment. Policyleader also provides guidance and support throughout the process to ensure that the policyholders can make an informed decision and purchase the policy that best suits their needs.

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Compare & Save upto 85%*

On Travel Insurance

*Savings are based on the comparison between the highest and the lowest premium for own damage cover (excluding add-on covers) provided by different insurance companies for the same vehicle with the same IDV and same NCB.

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