Emergency medical assistance
If you become ill or are injured while travelling, some policies may cover eligible emergency medical expenses or assistance services, subject to policy limits and conditions.
Travel insurance
Go explore. Know your cover.
From a family holiday to an overseas business trip, understand how travel insurance may help with certain unexpected situations during your journey.
Domestic and international travel needs can differ.
Always check the policy applicable to your trip.
Before departure
Review destinations and policy dates.
During your trip
Know your emergency assistance details.
If plans change
Understand reporting and claim requirements.
Plan for the unexpected.
Understand your cover before you leave home.
Travel with clarity
Your journey should be exciting. Your cover shouldn't be confusing.
Travel insurance is designed to provide specified benefits for certain unexpected events covered by a policy. Depending on the plan, these may include eligible emergency medical expenses, trip cancellation, travel delays or baggage issues.
Not every plan includes every benefit. Your destination, travel dates, traveller details and policy exclusions all matter.
One important thing to remember
Travel insurance is not a guarantee that every loss or unexpected expense will be reimbursed. Check the terms, limits and exclusions before purchasing.
What may be covered?
Different travel problems. Different types of cover.
Here are common travel insurance benefit categories. Availability and eligibility depend on the specific policy.
Trip cancellation or interruption
Certain listed events may qualify for cancellation or interruption benefits. Reasons outside the policy's terms may not be covered.
Baggage and travel documents
Some plans provide specified benefits for eligible baggage loss, baggage delays or document-related problems, subject to limits and reporting rules.
Travel delay and assistance
Eligible plans may offer benefits for specified delays or provide assistance services. Waiting periods and conditions may apply.
Real travel situations
What if your travel plans don't go as expected?
Imagine you are travelling with your family, visiting another country for work or taking your first international holiday. These are the situations worth understanding before choosing your cover.
You need medical care abroad
Check whether the policy covers the type of emergency, the destination and the eligible medical expenses. Know how to contact the assistance provider.
Your flight or trip is disrupted
Look for the covered reasons, delay thresholds, documentation requirements and benefit limits. Not every delay or cancellation qualifies.
Your luggage doesn't arrive
Check the policy's baggage delay or loss rules. You may need a report from the airline and proof of the incident within a specified timeframe.
You are planning an adventure trip
Activities such as trekking or certain adventure sports may have special conditions or exclusions. Confirm eligibility before your trip.
Plan before you pack
A little preparation can make your cover easier to use.
Keep the important information handy before departure. It can help you understand your policy and know where to turn if an unexpected situation arises.
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Save your policy and emergency contact details.
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Check the start and end dates of your cover.
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Read exclusions for medical conditions and activities.
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Understand how to report an incident or submit a claim.
Before you choose
Make sure the policy fits your actual trip.
A policy that suits one traveller may not suit another. Review the details relevant to your journey before making a decision.
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Destination and duration
Confirm where the policy applies and how long your trip can be.
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Traveller details
Check age eligibility, medical-condition rules and any relevant declarations.
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Limits and exclusions
Understand the maximum benefits, excesses and circumstances that are not covered.
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Emergency support
Know how to contact the insurer or assistance service during your trip.
Ask about travel cover
Prepare your destination, travel dates, traveller age range and trip purpose. These details can help start a more useful enquiry.
Make an enquiryAn enquiry is not a policy purchase or a guarantee of eligibility or coverage.
Travel insurance FAQs
Questions travellers often ask.
Understand the basics before comparing plans. Specific answers depend on the insurer and the wording of the policy.
Depending on the plan, it may provide benefits for eligible emergency medical expenses, trip disruption, baggage problems or travel delays. Benefits, limits and exclusions vary by policy.
Requirements vary by destination, visa rules, travel arrangements and individual needs. Check whether your destination or travel provider has specific insurance requirements before departure.
No. Eligible expenses depend on the plan, benefit limits, medical definitions, exclusions and applicable conditions. Pre-existing medical conditions may have special rules or exclusions.
Follow the airline's reporting process, retain the relevant baggage report and receipts, and contact your insurer or assistance provider. Check the policy for deadlines and required evidence.
Some policies restrict or exclude certain adventure activities. Check the specific activity, destination and policy wording before taking part.
Your destination, trip dates, traveller age range and trip purpose are useful starting points. Additional information may be needed to assess eligibility and available options.
Your next journey
Travel with more clarity. Start with the right questions.
Whether you are planning a holiday, visiting family abroad or travelling for business, understand your options before you leave.
Planning a trip soon?
Contact PROINS to start an enquiry about travel insurance and the information you should review.
Discuss travel coverPrefer to call? +91-9899853832