Why Travel Insurance Is Not Just a Visa Formality

Many travellers buy insurance only for visa approval — that is a risky approach.

A small incident abroad can cost more than your entire trip.

What Travel Insurance Covers

• Emergency medical treatment & hospitalisation
• Medical evacuation & repatriation
• Loss of baggage or passport
• Trip cancellation or interruption
• Flight delays & missed connections
• Personal liability abroad

Medical Costs Abroad: Biggest Risk

• US hospital stay: ₹3–5 lakhs per night
• Europe surgery: tens of lakhs
• Emergency evacuation: extremely expensive

Indian health insurance usually does not cover abroad treatment.

Destination-Based Coverage Matters

• Schengen: minimum coverage mandatory
• USA/Canada: higher sum insured required
• Asia: accident & evacuation focus
• Senior travellers: special plans needed

Single Trip vs Multi-Trip

• Single Trip: best for occasional travel
• Multi-Trip: ideal for frequent travellers

Adventure Activities Warning

Trekking, skiing, scuba diving, or bike riding may need special add-ons.

Common Claim Mistakes

• Delay in informing insurer
• Missing documents
• Using non-approved hospitals
• Policy condition violations

Special Categories

• Senior Citizens: higher premium & co-pay
• Students: long-term & study interruption cover

How Findoot Helps

• ✔ Destination-based planning
• ✔ Medical cover optimisation
• ✔ Claim guidance
• ✔ Emergency support
• ✔ Visa compliance

Check Before You Travel

• Does your policy cover your destination?
• Is evacuation included?
• Do you know claim process abroad?