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  • Myths About Travel Insurance

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    While there are some people who take travel insurance as a necessity for their trip, there are countless others, a much larger number, who think it is an unnecessary expense. Reason being, there are several myths which surround travel insurance and why its importance when it comes to travelling. The larger majority of population which deems travel insurance to be an avoidable expense thinks so due to various reasons like the confident belief that nothing can go wrong on a holiday, difficulty in settling or registering a claim, etc. These and many other common myths contribute to the reduced knowledge about the significance of travel insurance. So, read on to find out as we dispel some of the most common myths about travel insurance.

    ‘Nothing Can Happen On a Trip’

    This is one of the most prevalent myth believed to be true by travelers. You may have taken several trips domestically and abroad, without having to deal with any untoward or unforeseen event. However, in case something does go wrong, what is the harm in being prepared. A missed flight, passport theft, sudden illness, trip cancellation due to unavoidable reasons are just some minor reasons why travel insurance is necessary. Some major reasons could be evacuation from a war-hit country, a natural disaster having taken place, etc. In both cases, you stand to lose a substantial amount of money which has been paid as pre-paid expenses like travel tickets, accommodation, etc.

    ‘My Domestic Health / Life Insurance Policy Covers Me’

    Many folks forego travel insurance as they are under the wrongful impression that their health insurance policy will cover them in case of an illness abroad. They aren’t entirely wrong in thinking so, as some medical insurance policies do provide coverage internationally for short trips. However, what if your trip is delayed and your regular health insurance cover has expired. What if you have to cancel your trip short to return home to tend to an ailing family member. In both these and several such cases, there is nothing your good old insurance policy back home can do to help you recover the costs.

    ‘Collecting Claim Can Be An Impossible Task Unless There’s Been a Calamity’

    Another strong myth surrounding travel insurance policies is that it is impossibly difficult to get the claim amount unless something calamitous has happened. This is not entirely true. Travel insurance policies have been invented for the purpose of easing a traveler’s mental agony in case something goes wrong on a trip. An efficient travel insurance policy ideally features an easy and hassle free for you to file and collect claim amount for any event that is covered under the policy like baggage loss, trip cancellation, medical emergencies, etc.

    ‘Travel Insurance Is Just For the Adrenalin Junkies’

    It is a common myth among travelers that a travel insurance policy is only meant for travelers who are planning on indulging in some adrenalin pumping activities sky-diving, bungee jumping, rock-climbing, etc. Again, not entirely true. Not everyone who heads out for a holiday has adventure sports in mind, so what about their coverage? Travel insurance policies are designed to meet the coverage needs of a wide variety of travelers.  In case you miss your flight, your baggage goes missing on arrival, you get robbed of your wallet while on your trip, are some unfortunate but common occurrences while travelling which your travel insurance policy will cover you for, among other things.

    ‘I Can Book My Travel Insurance Later’

    So, you’ve booked your tickets and accommodation for your summer vacay but will book travel insurance later. That might not be the most sensible decision to make when it comes to purchasing travel insurance. The whole purpose of a travel insurance policy stands defeated by doing that. What if you’ve booked your vacation, ticket and all, and are happily relaxing and making plans for the trip. A week before your trip begins, your travel companion suffers an accident and is admitted in the hospital. The trip has to be cancelled. What do you do now? What about all those prepaid flight and hotel bookings you made weeks ago, while waiting to still purchase travel insurance. That travel insurance would have come in very handy at this time, be covering your pre-paid holiday expenses with its trip cancellation feature.

    ‘The Airline Will Cover Me For A Delayed / Cancelled Flight’

    So, you’ve missed your connecting flight back home, just because the previous fight was delayed by a good hour due to bad weather. Don’t be too sure of about a reimbursement coming from the airline, in this case. Unless it is a grave or unavoidable reason, an airline is not likely to reimburse you for a purchased flight ticket. A travel insurance policy, on the other hand, will cover you for the cost of your flight ticket in case your flight has been cancelled or delayed due to any reasonable cause.

    ‘All Travel Insurance Policies Are Mostly Alike’

    Again, a solid myth. There are a number of travel insurance policies available, online and offline, provided by a number of leading banks and companies. It is a separate category which specializes in catering to the insurance needs of travelers. One can get a wide variety of travel insurance policies catering to customers of different age groups, addressing a large number of holiday activities, and covering worldwide destinations. Different policies carry different combination of features and coverage to serve a wider spectrum of travelers. So, all you need to do is look around at the policies available and choose the one which best addresses you’re travelling requirements.  

    ‘No Travel Insurance Policy Will Cover My Pre-Existing Medical Conditions’

    This might be the case with other types of insurance policies, but you will be surprised to know, many travel insurance policies do provide coverage for pre-existing medical conditions. There might be some conditions attached to this feature, but usually for short trips, a travel insurance policy will provide coverage against a pre-existing medical condition.

    Myths About Travel Insurance Reviews

  • Page 1 of 2 1 2
    • review Travel Insurance
      "Good protection for luggage"
      0.5 4.0/5 "Great!"
      I generally take Travel insurance with Bajaj , the premium is around Rs.49, I take the policy through the travel agencies for flight booking. They give luggage coverage, if I lost the luggage they will do claim settlement, they used to give acknowledge for the policy. They don't have medical cover in this plan.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 07, 2018
    • review Travel Insurance
      "Enjoy your travel experience without any fear. "
      0.5 4.0/5 "Great!"
      I have bought my travel insurance with ICICI Lombard. They have charged me a good amount but they have deducted twice. When i asked about this, i did not a proper response from them. They have very good insurance amount covered with. Its easy to take the policy. I'm buying the policy whenever i travel and i'm planning to buy the policy for an year since I'm often traveling.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 02, 2018
    • review Travel Insurance
      "travel insurance is very nice"
      0.5 3.5/5 "Pretty good"
      i found the travel insurance reviews useful and thoughts are so useful to take the final decision of the production and the way people are expressing there thoughts is really awesome and make to decide.reviews are always very helpful if it is good or bad
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 26, 2018
    • review Travel Insurance
      "Worst Insurance provider ever "
      0.5 0.5/5 "Unacceptable"
      Hello,, I recently took a travel insurance from Royal Sundaram General insurance for my Thailand trip,,, Unfortunately I encountered sea urchin Bite when I was in Phi Phi Island so wanted to assure myself by consulting a local physician ,, so got an appointment with the local doctor and got the necessary treatment and he billed me about 8000 INR and gave me the proper receipt and case sheet ,, Then I applied to Royal Sundaram General insurance for reimbursement after returning to India,, They initially tried to decline my insurance claim by asking some of my documents that are not even mentioned in the policy claim form but I sent them all the documents they asked and this cost me about 600 INR for courier charges,Finally after all this hardship I have received a reply that my claim could not be processesed due to Low Bill amount which was neither mentioned in my insurance form nor informed me prior to the trip ,, And this is really a silly reason,,so never believe this scumbags
      Was this review helpful? 1
      , madurai
      Reviewed on Oct 31, 2018
    • review Travel Insurance
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      I am holding the two wheeler policy with the NEW INDIA ASSURANCE and the process of getting this policy is easy and i have been using this policy from last 3 months. The policy coverage is for the 3rd party insurance includes. I have not experienced the claim in this policy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 16, 2018
    • review Travel Insurance
      "Good policy to use"
      0.5 4.0/5 "Great!"
      I have got the Travel insurance policy from the ICICI LOMBARD GENERAL INSURANCE company around 2 years ago. the customer support service is good with the ICICI Lombard. This policy covers myself and this policy has the coverage of Rs,15,00,000 and I am satisfied with it.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Apr 04, 2018
    • review Travel Insurance
      "Claim was rejected becuase of unnescceary reason"
      0.5 0.5/5 "Unacceptable"
      I have taken a travel insurance policy for 53 days from iffco tokio and baggage got delay on the fight on the last day of policy expiration. When I try to do the claim, they are giving different excuse to give the claim. Very poor claim service. I will not recommend this insurance company to anybody.
      Was this review helpful? 3
      , new delhi
      Reviewed on Jan 26, 2018
    • review Travel Insurance
      "Very easy to get."
      0.5 5.0/5 "Blown Away!"
      It was nice of these insurance providers that they have given travel insurance for my Tour to Germany at very low cost. The benefits offered were very nice at the reasonable charges. I had face no issues in getting the insurance document timely. They are very punctual.
      Was this review helpful? 1
      , thane
      Reviewed on Oct 09, 2017
    • review Travel Insurance
      "Good for travelers"
      0.5 4.0/5 "Great!"
      Whenever I go to abroad, I take travel insurance only using my ICICI lombard. They immediately send me the policy copy. When I went to Turkey I lost my laptop, I claimed the lost amount from ICICI lombard they processed the reimbursement within a certain time period.
      Was this review helpful? 1
      , bangalore
      Reviewed on Aug 31, 2017
    • review Travel Insurance
      "RELIGARE HEALTH Travel Insurance"
      0.5 4.0/5 "Great!"
      Religare Travel Insurance Explore is indeed the best travel insurance policy in the markets these days, it offers me a peace of mind while I travel. I work in a job involving high stress levels and I often go for adventure sports. I travel worry free because religare is there.
      Was this review helpful? 1
      , bangalore
      Reviewed on May 19, 2017
    • review Travel Insurance
      "Pathetic disbursal policy- rather not take an insurance"
      0.5 0.5/5 "Unacceptable"
      Please do not buy ICICI Lombard Travel insurance for any foreign or domestic travels.They charge very high premiums but do not pay out genuine claims. I had paid a very high premium (approx.. INR 15000) for my father's travel insurance who was coming to UK for a short trip. Unfortunately, he had a cardiac arrest in UK and had to be admitted in hospital. It must be noted that he did not have any prior heart conditions. I have proofs of ECG just before his travel and doctor's diagnosis to prove that. The interesting part is: ICICI Lombardâ??s claims settlement has been outsourced to a company called FGA (Falcon India). Now their incentives are based on minimal disbursal, due to which they tend to reject even the genuine claims. Disgusting Part: A doctor representing ICICI Lombard was sent to assess the case post incident and he indicated some money to be paid to him for a report supporting the claim. When my parents refused to pay any money, a false report was prepared
      Was this review helpful? 11
      , kolkata
      Reviewed on Mar 03, 2017
    • review Travel Insurance
      "Fantastic experience"
      0.5 5.0/5 "Blown Away!"
      Very quick response from Customer care team and detailed explanation provided about the product and executive was very enthusiastically answered all the queries with great level of patience, customer care team contacted multiple times basis the requirement ...overall it was very nice experience .
      Was this review helpful? 4
      , gurgaon
      Reviewed on Jan 15, 2017
    • review Travel Insurance
      "Excellent services"
      0.5 3.0/5 "Satisfactory"
      Found ICICI Lombard as best for the travel insurance and all the times I prefer this company as whenever I travel. The online portal is simple and quick to enroll the policy. Death coverage is decent and good. This is like one time payment and we can choose duration according to our travel.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Oct 27, 2016
    • review Travel Insurance
      "Religare only want new business - good luck with renewal"
      0.5 0.5/5 "Unacceptable"
      Religare is only interested in new business and not care about renewal travel insurance . Their customer care email (ironically customerfirst ?!?!?) is very badly programmed...everytime (even response to quick response) creating new case so they have excuse for new SLA to response. They don't understand that, customer is in foreign country and having risk of heavy fine/medical charges in case of not travel insurance in case of required renewal. My insurance was going to expired (which is already) on 23-Sep-2016 and I sent them renewal request on 20-Sep-2016 and on 21-Sep-2016 signed extension form but yet not received any communication back. More frustrating is, they don't have customer care phone number which can be reachable from outside India (as they have 1800- number). I will not go for them in future.....and advice other too if they have change of extension on trip.
      Was this review helpful? 1
      , mumbai
      Reviewed on Sep 24, 2016
    • review Travel Insurance
      "Very good"
      0.5 5.0/5 "Blown Away!"
      I am having the travel insurance policy with the Tata AIG general insurance company and I used to get it while am going abroad. Coverage value is depends on the country where am going, also they are providing coverage for my luggage.
      Was this review helpful? 6
      , bangalore
      Reviewed on Apr 16, 2016
    • review Travel Insurance
      "Really good"
      0.5 4.0/5 "Great!"
      I have taken a Travel Insurance from HDFC as I am frequent traveler. It has an accidental cover of around Rs.50 lakhs which is valid internationally as well. I pay the insurance through annual premiums online. I took this two years back and the customer service was good.
      Was this review helpful? 2
      , bangalore
      Reviewed on Mar 19, 2016
    • review Travel Insurance
      "Wonderful..."
      0.5 5.0/5 "Blown Away!"
      If I pay the premium for first year, I no need to pay the premium for three years. As this travel insurance was offered when I availed car loan. If there any accident happens while traveling the HDFC Ergo cover our hospital fee. Another option is there as they pay three months emi if we lost our job.
      Was this review helpful? 3
      , bangalore
      Reviewed on Feb 20, 2016
    • review Travel Insurance
      "Don't buy reliance"
      0.5 0.5/5 "Unacceptable"
      Because of cancelled flight, I missed my connecting flight. Had to make fresh arrangements. On trying to claim, they say no flight or taxi charges will be refunded, its only for food and stay ( normally any Arline's will provide if they cancel) Now finally they have stooped down to a level saying... The policy document (u get after you purchase policy by making payment) doesn't say it will cover missed flight, when asked its in broucher, " our terms and conditions gets modified after the payment is made" by SWARUPA MARTIN claims officer. So my suggestion is reliance don't cover missed flight, try other insurance... Its worst of all.
      Was this review helpful? 12
      , mangalore
      Reviewed on Feb 20, 2016
    • review Travel Insurance
      "compulsory for travellers..."
      0.5 4.5/5 "Excellent!"
      Found ICICI Lombard as best for the travel insurance and all the times I prefer this company as whenever I travel. The online portal is simple and quick to enroll the policy. Death coverage is decent and good. This is like one time payment and we can choose duration according to our travel.
      Was this review helpful? 7
      , thane
      Reviewed on Nov 28, 2015
    • review Travel Insurance
      "Very good"
      0.5 4.0/5 "Great!"
      The service offered by ICICI Two wheeler insurance is fine. I am holding this two wheeler insurance since 2010. The returns are not good the money value is less. One thing I would like to say the claim experience policy was very lengthy and they were unable to refund a particular amount.
      Was this review helpful? 4
      , chennai
      Reviewed on Oct 01, 2015
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