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  • Why Is Travel Insurance Necessary

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    To most of us, travel insurance seems like an unnecessary expense. It is something which, more often than not, is not considered as part of one’s travel plans. Travelers have for years, underestimated the significance of travel insurance, as its purpose only comes to fore when things go wrong. But then, after all, isn’t it better to be safe than be sorry, especially when you’re away from home and help can be difficult to get by.

    While travelling may take us to the most exciting, exhilarating, colorful and vibrant corners of the planet, it also comes with a fair share of risks and dangers of the unforeseen. There is absolutely no telling as to what might happen when you embark on your trip as there are simply hundreds of circumstances which can bring your trip to a halt. Political unrest, a natural disaster or a medical emergency can force you to cut your trip short and return home earlier than planned. However, travel insurance is special type of insurance designed to cover the individual from a variety of travel related perils.  Wish to know why travel insurance is so important? Read on and you’ll find out why.

    Flight Cancellation

    It’s late at night and you’ve just arrived at the airport to catch your connecting flight, only to find out that the flight has been cancelled due to bad weather. Who will you call to help you book your flight back home?

    Loss of Belongings

    You’re on your trip when your bag containing all your medicines is misplaced. You must find your bag as soon as possible in order to take your medication. Who can you possibly call to help you locate your lost bag or perhaps get the required medicines?

    Loss of Passport / Wallet

    Just 2 days into your trip to Europe, you realize one fine morning that your wallet and passport are missing. Now, this can be a very nasty surprise for any traveler as a passport the most widely accepted form of personal identification, without which you may very well be deemed a criminal as travelling without one is largely considered illegal. A missing wallet, as is obvious, can spell doom on all your travel plans. You will need cash or your credit / debit card to buy food, pay for your hotel, pay from getting a duplicate passport issued, in short, for everything. Whom can you call to help you get a duplicate passport issued or wire you some emergency funds?

    Baggage Loss

    You have arrived in Ibiza, super excited about all those glorious beaches and the amazing nightlife, waiting for your luggage to arrive. It’s been 15 minutes, still no sign of your bags. Upon enquiring, you find out the airline has, mistakenly, mixed up your luggage with that of a fellow traveler. You are in urgent need for a change of clothes and carry out your morning routine. Except, you don’t have your luggage. Who do you call for immediate assistance to recover your lost luggage? Or who will reimburse you for the additional set of clothes and toiletries which you will now have to purchase?  

    Medical Emergency

    On your holiday ski trip abroad, you happen to slip and dislocate a joint. You require immediate medical attention but the cost of hospitalization, leave alone the treatment, is very expensive. Who will you contact to help you obtain access to adequate medical care and also reimburse you for the cost incurred towards the treatment?

    Evacuation Due To Political Unrest

    Right in the middle of your trip to Jordan, riots break out in several parts of the country due to political unrest. You must evacuate immediately for safety reasons but the cost of flight tickets has just rocketed due to the sudden exodus of travelers. You have no choice but to pay for the inflated air fares in order to get back to safety. Who will reimburse you for the cost of air-fare which you had to incur due to an unforeseen emergency evacuation?

    Evacuation Due To Natural Calamity

    You’ve finally made it to Bali for this year’s vacation. The trip is going as planned or even better when the news of an approaching typhoon has everybody in a state of panic. If you stay, you might be stranded. It’d be wisest to leave, you decide. But you’ve already paid the return fare for your trip. Who will reimburse you for the cost of the preponed ticket which you had to take under emergency?

    Evacuation Due To Medical Emergency

    You’ve decided to take an off-beat family vacation to Bhutan. Halfway through your trip, you ailing mother has taken seriously ill. There is no adequate medical facility available in and around the city you’re staying in. You have only one option, head back home as soon as possible so that timely medical assistance may be provided to the patient. Who will assist you in carrying out an emergency medical evacuation?

    Reimbursement of Prepaid Expenses Emergency Evacuation

    While planning a holiday, it so often happens that we book not only our flights but also our hotel in advance, simply for the reason that it helps one save substantially. Travel plus accommodation deals are a common offering from travel and booking websites. However, due to an emergency situation having arisen, you must evacuate the country you’re visiting to get back to safety. But, you’ve already paid your return flight as well as for a full two weeks at the hotel, out of which a good full week remains. You must leave but you will lose out on the money which you’ve paid for your hotel as well as for the travel. Who will reimburse you for those pre-paid costs?

    From the list of reasons mentioned above, it is quite clear, that travel insurance can, indeed, rescue you from a variety of unpleasant situations, which can not only lead to monetary loss but in some medically severe cases, irreparable damage or loss of life. So, the next time you decide or plan for a trip, don’t forget to take a travel insurance policy. Not only can it save you from lot of unforeseen and unnecessary trouble, but also, provide assistance in case you find yourself stranded at any point of your travel.

    Why Is Travel Insurance Necessary 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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