Planning an international trip is exciting. Booking flights, exploring new cultures and creating lifelong memories are all part of the experience. Yet, in the middle of all this planning, one important thing is often overlooked: travel insurance.

Many travellers choose to skip it, assuming it’s unnecessary, too expensive or simply too much paperwork. These beliefs are usually based on common myths rather than actual facts. In reality, travel insurance can protect you from unexpected issues like medical emergencies, trip cancellations, lost baggage or passport theft.

This article will explore why these myths exist, debunk the most common ones, and explain why having a policy is one of the wisest travel decisions you can make.

Why do travel insurance myths exist?

Travel insurance is not something most people think about until something goes wrong. That’s part of the problem. Myths usually form when:

• People rely on second-hand stories or outdated information.
• They misunderstand what policies actually cover.
• They assume it’s too expensive or unnecessary.
• They have never needed it before, so they think they never will.

Social media and word-of-mouth often add to the confusion. However, the truth is that understanding travel insurance is easier than it seems and much more useful than most realise.

5 international travel insurance myths

Here are five common myths related to travel insurance that lead people to believe that it is unnecessary:

Myth #1: “I don't need it because I am not going to lose anything abroad”

Many travellers believe that if they pack light or are careful, nothing will go wrong. However, these things can happen even when you have done everything right. In the last two years, one in two Indian flyers experienced damaged baggage at least once, according to a survey by LocalCircles . Even more worrying, two in five travellers had their baggage delayed or lost by the airline.

And the trouble doesn’t end there. One in four of those affected by baggage issues said that when they reached out to the airline for help, the response was either poor or completely unhelpful. Imagine landing in a new country with no clothes, no essentials and no support from the airline.

So even if you think, “I won’t lose anything,” the reality is that these things happen all the time. Travel insurance protects your peace of mind when things go wrong without warning.

Myth #2: “I have medical insurance. I don't need travel insurance”

It is often believed that multiple insurances are redundant. But that's not the case. If you are someone who already has health insurance, that's excellent! However, this insurance might not necessarily cover your illness expenses abroad.

A travel insurance plan compensates for your hospitalisation and treatment charges and relieves your stress. You can also avail of worldwide cashless hospitalisation with some insurance providers. You can benefit from high-quality medical treatment and return home only once you have completely recovered.

Myth #3: “I won't be reimbursed unless something major happens”

Not true! Travel insurance is not meant only for the extreme conditions mentioned above. Sometimes, you might end up getting stuck in a minor yet financially stressful situation. A travel insurance plan covers your expenses for sticky situations like flight cancellations due to poor weather conditions or additional hotel charges due to early exit.

Even on a short, non-adventurous business trip, travel insurance cushions small uncertainties that may disrupt your plans. Whether or not you are a frequent traveller, a travel insurance policy makes your travel experience more pleasurable.

Myth #4: “Pre-existing medical conditions and travel insurance do not mix”

Depending upon factors like your age or travel destination, you can avail of different types of travel insurance policies; various custom-made travel policies cater to the different requirements of travellers. With a wide range of options being available, it becomes easier to choose. Until a few years ago, due to a lack of competition, travellers were stuck with only a handful of insurance providers. However, nowadays, with a major upsurge in the insurance market, you can easily avail of customised travel insurance online that not only suits all your needs but is easy on the wallet as well.

Myth #5: “But they don't understand my needs”

Although this concern might be partly true, as many insurance providers do not cover pre-existing medical conditions in travel insurance, there is still hope. If you do a bit more research before purchasing international travel insurance, you will find that there are a few insurance companies that do offer pre-existing medical conditions, albeit with a few caveats.

• There shouldn’t be any new diagnosis or treatment/medication for the existing condition.
• The condition of the pre-existing illness should be stable and not deteriorating.
• Test results for the pre-existing condition should not be awaited.
• There should be no change in the frequency of medication or treatment for the pre-existing illness.

Benefits of getting an international travel insurance policy

A good travel insurance plan offers a wide range of benefits to make sure you are protected throughout your trip. Here’s what you can expect:

1. Medical emergency cover: If you fall sick or get injured abroad, hospital bills can be very expensive. Travel insurance helps cover treatment, hospital stays and even emergency evacuation if needed.
2. Trip cancellation protection: If you have to cancel or cut short your trip due to illness, a family emergency, or visa issues, your non-refundable bookings like flights and hotels can be reimbursed.
3. Lost or delayed baggage support: Bags can go missing or get delayed, especially on connecting flights. Insurance helps you buy essential items and offers compensation if your luggage is lost or damaged.
4. Help with lost documents: Losing your passport in a foreign country can be stressful. Travel insurance can assist with getting emergency documents and may cover related expenses.
5. 24/7 travel assistance: Most insurers offer round-the-clock support for things like finding a hospital, arranging transport or handling emergencies, even in unfamiliar countries.
6. Emergency Support: If you lose your wallet or need emergency cash while abroad, the policy helps arrange funds so you are not left stranded. It also provides support in case of a financial emergency.

Conclusion

Travelling abroad comes with exciting experiences but also a few risks that are often out of your control, like medical emergencies, lost baggage or flight delays. While no one expects things to go wrong, it’s always better to be prepared. Travel insurance can be a great help in such situations. Moreover, they also come with flexible options. You can choose a single-trip travel insurance to protect yourself during one specific journey.

FAQs

1. Is travel insurance mandatory for international travel?

Some countries, like the Schengen Area, do require proof of travel insurance for visa approval. Even when it’s not mandatory, it’s highly recommended.

2. Can I get a refund if I cancel my travel insurance?

Many insurers offer a short “free-look period” (usually 7–14 days) after purchase. If you haven’t started your trip or made a claim, you may be eligible for a refund.

3. Does travel insurance cover COVID-19?

Yes, most updated policies now cover COVID-related medical expenses, cancellations or quarantine, but you should always check the terms.

4. What is the best time to buy travel insurance?

Buy it as soon as you book your trip. This gives you maximum coverage, including trip cancellation benefits.

5. Can I extend my travel insurance while abroad?

Some insurers allow extensions, but not all. It’s best to ask in advance and read the terms carefully.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

https://www.localcircles.com/a/press/page/airline-baggage-handling-survey

From the odd to the exciting, Japanese culture serves up interesting experiences for its visitors. A combination of the latest trends and traditional culture, there is no better place to experience the eccentricities of Japan than in its capital city. If you're just planning to just visit Mount Fuji and the Japanese shrines as part of your Tokyo sightseeing, you should consider altering your itinerary to accommodate these unconventional things to do in Tokyo along with some exotic places to visit.

1. Live Tuna Auction

Have you ever been to a live tuna auction? If not, head over to Tsukiji fish market to see a horde of buyers and sellers haggling in rapid Japanese. It's truly a sight to behold! However, the auction takes place at 5 a.m. and admits only the first 120 people. If you're not an early bird, there is still a collection of sights, smells, and tastes in the world's largest wholesale market to overwhelm you.

2. Fashion Watching at Harajuku

Every Sunday, hundreds of Japanese teens flock to the colourful district of Harajuku dressed in their most vivid and quirky outfits. Go and witness Japan's Cosplay culture in all its glory. After watching these enthusiastic teens dressed like costume characters, walk down to Yoyogi Park to observe various other subcultures.

3. Stay In a Capsule Hotel

Tokyo has a severe lack of space, and both houses and hotels are cramped. Sliding doors are used everywhere to save that extra bit of space. It's close to impossible to find a hotel that has large and comfortable rooms. Capsule hotels are known to make maximum use of minimum space. Yes, you guessed right, these rent full-length bed-sized capsules for the night! Did you know that the typical size of a one-bedroom apartment in Tokyo is usually not more than 15 square meters (170 square feet).

4. Observe People Cross at Shibuya Crossing

You will be astounded at the hordes of people crossing at once when the pedestrian light goes green at Shibuya crossing. The sheer number of people walking in tandem is a stunning sight. Get an aerial vantage point to get the best possible view of this iconic pedestrian crossing. Did you know that the famous scene where Scarlet Johansson disappears in the crowd in Sofia Coppola's ‘Lost in Translation' was shot at Shibuya crossing.

5. Watch Sumo Wrestling

To some, sumo wrestling may not seem like a serious sport. However, it is deeply rooted in Japanese culture and is very widely watched. If you're lucky, you can catch one of the ongoing tournaments. Otherwise, you could visit sumo stables, a place where sumos live, eat, and practice. Watch their morning practice fights and learn about their training regime. Make sure you call in advance to check if visitors are allowed and check visitors' timings. Did you know that Sumos train in the morning without breakfast and then eat a calorie-packed lunch and dinner while sleeping throughout the day!

6. Go To a Public Bath

Space constraints meant that many Japanese homes couldn't accommodate a bath. This led the Japanese to erect sentos (public baths) and onsens (hot water spring baths) where everyone could bathe communally. These public baths, prevalent throughout Japan, are frequented by tourists and locals alike. However, it is a norm to bare all while getting into these baths, and you should respect their tradition if you choose to go.

Tokyo’s odd museums

Tokyo is home to some of the world’s quirkiest museums. Explore the Meguro Parasitological Museum for a creepy-crawly look into parasitic life or visit the Shitamachi Tanabata Museum dedicated to traditional summer festivals. There’s even a Cup Noodles Museum in nearby Yokohama for fans of Japan’s favourite comfort food. These oddball gems make your itinerary far more colourful and unforgettable.

Explore offbeat neighbourhoods in Tokyo

Beyond the neon lights of Shinjuku and Shibuya lie lesser-known neighbourhoods brimming with character. Try:

• Shimokitazawa: A hipster haven with vintage shops and indie cafes.
• Koenji: A punk-rock hub with second-hand clothing stores and underground music.
• Yanaka: A nostalgic district that escaped wartime bombings, perfect for temple-hopping and old-school charm.

Travelling tip in Tokyo

Travelling to a foreign country always poses some risks to you and your possessions. Japan is renowned for its cuisine, however, you should be careful as certain ingredients may not agree with your intestines. Hurry, get details on travel insurance plans for you and your family."

Insuring your holiday will give you the benefits of cashless hospitalisation and a phone number to contact in case of a medical emergency. Numerous other unfortunate incidents are covered by your travel insurance, and you will not have to worry about the language barrier and bureaucratic procedures during an emergency. Hurry, get details on travel insurance plans for you and your family.

Seasonal travel attractions in Tokyo

Each season in Tokyo brings its magic:

• Spring: Cherry blossom (sakura) viewing in Ueno Park or along the Meguro River.
• Summer: Fireworks festivals and street food stalls at local matsuri.
• Autumn: Fiery foliage in parks like Rikugien and Shinjuku Gyoen.
• Winter: Illuminations light up streets, and hot springs (onsen) provide cosy comfort.

Conclusion

Tokyo is a world of its own. Whether you are soaking in a sento, cheering at a sumo match or wandering through a museum of parasites, this metropolis delivers delight at every corner. As you uncover its offbeat treasures, don’t forget to prioritise your safety and comfort. Opting for travel insurance or a reliable international travel insurance plan ensures that nothing gets in the way of your Tokyo adventure. So go ahead, embrace the quirk, savour the culture and let Tokyo surprise you.

FAQ

1. Is Tokyo suitable for solo travellers?

Yes. Tokyo is one of the safest cities in the world and offers countless experiences for solo adventurers, from capsule hotels to street-side ramen counters.

2. Do I need travel insurance for visiting Japan?

While not mandatory, travel insurance, especially international travel insurance, is highly recommended to cover medical emergencies, lost luggage and trip interruptions.

3. Are public baths in Tokyo tattoo-friendly?

Most aren’t, but some now welcome tattooed visitors. Always check in advance or look for tattoo-friendly bathhouses.

4. When is the best time to go to Tokyo?

The spring season, from March to May and autumn, from September to November, are the best months to visit Tokyo.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Travel insurance helps cover unexpected problems you might face while travelling, such as getting sick, missing a flight or losing your bags. However, what many people overlook is that this safety net only works if your policy is active. Letting your travel insurance expire, even by a single day, can leave you completely unprotected at the worst possible time.

In this article, we will delve into the importance of renewing travel insurance on time and how to do it.

What is travel insurance renewal?

Travel insurance renewal means extending your existing policy before it ends. This helps maintain continuous coverage, especially if you are still travelling or planning another trip soon. Some insurers offer automatic renewal, while others require you to renew it manually before the expiry date.

Key reasons to renew travel insurance on time

Here are a few reasons why you should renew your travel insurance on time:

• You stay protected without gaps in your insurance, especially if your trip gets extended.
• Travel insurance covers emergency medical care abroad. If your policy ends, even a small health issue could lead to a large bill.
• Delays, cancellations or baggage issues can happen at any time. Without valid insurance, you won’t be able to claim compensation.
• Renewing on time means one less thing to worry about. You can focus on your journey instead of policy expiry dates.
• Renewing on time is often simpler than starting a new policy, which may require fresh paperwork or health checks.

Consequences of not renewing travel insurance plans on time

If your policy runs out before you renew it, you risk losing key protections when you need them most. These are some of the consequences you may face:

• Any incident that happens while your policy has expired, whether a medical emergency or lost baggage, won’t be covered, and you will have to bear the full cost yourself.
• If you try to make a claim after the policy has lapsed, it will be rejected, even if the issue started just after expiry.
• Renewing late or buying a fresh policy later might come with higher premiums or reduced coverage options, especially if your health or travel plans have changed.
• Without active insurance, you won’t have access to emergency assistance services, which can make it difficult to find trusted hospitals, translators or help with stolen documents in a foreign country.
• In some countries, proof of valid travel insurance is required to enter or stay. If your policy expires, it might lead to visa or immigration issues during long stays or stopovers.

When should you renew travel insurance?

Insurance policies should be renewed well in advance. Your initial coverage depends on the policy availed earlier. For example, you may have availed an insurance policy for a period of 25 days during which you had travelled. International coverage can be availed for 180 days at one go and can also be extended further for 180 days. Students who have opted for travel plans enjoy the feature of auto-renewals and can stay covered for their entire study term without renewal worries.

How to renew your travel insurance policy?

You can renew your travel insurance online within a few minutes. Just key in your passport details and your policy number and make the payment. You will get a digital copy of the policy immediately after purchase. You can choose to print it for convenience. The insurance provider, too, sends you a printed copy of the policy within a week.

Conclusion

Renewing your travel insurance on time is just as important as buying it in the first place. It ensures you stay protected from unexpected costs, disruptions and emergencies while travelling. Just keep in mind that if you are using a single-trip travel insurance plan, extensions are limited, and you will often need a fresh policy for any additional travel beyond the original trip.

FAQs

1. Can I renew travel insurance after expiry?

Usually not. Some insurers may offer a short grace period, but in most cases, you will need to buy a new policy once it expires.

2. Is renewal possible if I am still travelling?

Yes, but only if you renew before the policy expires. Some insurers also offer extensions if your trip is delayed.

3. Do I need to renew if I have an annual plan?

Yes, even annual plans need to be renewed once the coverage period ends.

4. Will my premium increase on renewal?

It depends on your travel history, age, destination and any policy changes.

5. Can I switch insurance providers during renewal?

Yes, you can choose a different insurer if the new policy better fits your needs.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Travel insurance is an inevitable protection that any traveller setting off to explore new places should have for a peaceful trip. It protects you financially against several unfortunate incidents that may strike during your journey, like medical emergencies, lost or stolen baggage, flight cancellation, etc.

With so many insurers offering international travel insurance, you should be careful in choosing the right policy to get the maximum coverage. Compare plans from different insurance companies to analyse the benefits and scope of coverage. The best travel insurance can provide peace of mind and financial protection against unforeseen travel disruptions.

Why is comparing travel insurance policies important?

Comparing different travel insurance before making a purchase is important to obtain a policy with the most coverage and value.

1. Ensure tailored coverage for your unique needs

Each traveller has different requirements depending on their travel destination, trip duration, age, health status and travel purpose. Comparing overseas travel insurance policies allows you to find a plan that covers the conditions you are looking for, such as medical emergencies, trip cancellation, urgent evacuation, third-party liability, etc. This ensures you get the maximum protection.

2. Understand the coverage scope

Every travel insurance policy comes with terms and conditions. When you compare plans, you gain a clearer picture of their inclusions and exclusions. This helps prevent unpleasant surprises, such as discovering that your medical claim or lost baggage is not covered due to an exclusion clause or sub-limit.

3. Get better value for money

Comparing insurance policies helps you find the one with the best coverage and cost. A cheaper policy isn’t always the best—sometimes it lacks essential benefits or has high deductibles. By reviewing multiple options, you can select a comprehensive policy that fits your budget without compromising on critical protection.

4. Find the necessary add-ons

Some policies offer useful add-ons such as pandemic coverage, device protection, rental car insurance, etc. Comparing plans side by side allows you to find an insurer who offers riders relevant to your travel plans and lifestyle.

5. Know the insurer’s reputation

An insurance company’s claim settlement history and customer support reputation are just as important as the policy features. This ensures a smooth claim process and assistance in need. By comparing insurers, you can opt for the one with a proven track record of timely claim approvals and the best customer service.

6. Avoid hidden costs

Certain policies may seem affordable at first glance but could carry hidden charges such as high deductibles, processing fees or co-pays. A careful comparison reveals these details, helping you avoid policies that may result in unexpected out-of-pocket expenses later.

7. Peace of mind

Opting for the best travel insurance policy after careful evaluation gives you confidence while exploring the world. You don’t have to worry about potential financial burdens. This allows you to focus on enjoying your trip.

Key factors to compare travel insurance policies

Here are some key factors to consider to ensure you choose a travel insurance plan that offers the best coverage for your travel needs:

1. Premium

The premium for travel insurance varies based on factors like destination, duration and traveller’s age. When going for a policy with a low or affordable cost, also ensure it offers adequate benefits like medical coverage, trip protection and baggage loss. Always balance premium with the extent of coverage to get the best value.

2. Coverage

While affordability matters, the policy with the lowest premium may not offer adequate coverage. Prioritise travel insurance plans that strike the right balance between cost and comprehensive protection. Ensure you're getting value for money with coverage for medical emergencies, trip cancellations and baggage loss—even if the premium is slightly higher.

3. Sum insured

Check the sum insured to see if it is adequate considering your travel plans. The amount should be sufficient to cover all travellers included in the policy—whether you're going solo or with family. The sum insured also determines the reimbursement you get for emergencies like hospitalisation or stolen belongings.

4. Insurer’s reputation

Buy travel insurance from insurers with a strong market presence and positive customer feedback. A reputable insurer typically offers 24x7 support and smooth claim processes—ensuring immediate help during a crisis.

Tips for choosing a travel insurance policy

The tips detailed below will help you make an informed decision and opt for the best travel insurance policy that provides comprehensive protection for your trip.

1. Verify the coverage scope

 Check if the policy coverage is adequate to cover the cost of medical treatment in the country or countries you are visiting. Don’t compromise on the amount of cover for the sake of having to spend less. Choose a policy that provides an adequate level of protection, even if it means you pay a little higher premium.

2. Check the cancellation policy

Choose a policy that appropriately covers the cost you would suffer on cancellation of your travel plan. It makes sense to have a decent cancellation cover if the travel is planned much in advance. Buy a plan that provides your loss as much as possible on cancellation of a travel plan.

3. Check the policy inclusions and exclusions

Know the destinations that are excluded from the travel insurance policy. Opt for a policy that provides you cover for all the destinations. Find out if pre-existing medical conditions are covered. Opt for a policy that provides cover for pre-existing medical conditions. The extra premium charged would be worth spending as a medical emergency in a foreign land can cause financial distress. Also, opt for a policy that covers most of the valuable items you carry, including electronic goods, you are carrying along. Check if items like iPads, laptops, and mobiles are covered.

4. Look for value-added services

Choose a policy that offers value-added services like medical concierge services for your dependent or dependent back home, when you are abroad. Some policies also include travel assistance, lost passport help or interpreter services in case of emergencies.

5. Verify the possibility of coverage extension

Know well in advance if your insurance company allows an extension of coverage if you decide to prolong your vacation. This flexibility ensures uninterrupted protection throughout your extended stay and helps avoid last-minute financial stress.

6. Assess the terms and conditions

Carefully read the policy wordings to have a clear understanding of the conditions of the travel insurance policy. It is better to be aware when planning travel than be shocked when stuck in a distressed situation. Always check for exclusions, claim procedures and applicable deductibles to avoid any surprises later.

Conclusion

Travel insurance is essential to safeguard you against many unforeseen events during your trip. However, you should know that not all policies are equal in terms of the benefits they offer. You should compare various overseas travel insurance plans to choose the one that meets your requirements at an affordable cost and without compromising on coverage. This ensures your journey remains protected, stress-free and memorable.

FAQs

1. What are the best practices for buying travel insurance?

When you are looking to buy travel insurance, make sure to

• Compare policies thoroughly
• Understand coverage limits
• Read the fine print carefully
• Seek advice from insurance experts, if needed
• Review claim process

2. What common mistakes should be avoided when buying travel insurance?

You should avoid making the following mistakes while choosing a travel insurance plan:

• Not reading the policy terms thoroughly
• Choosing the cheapest plan blindly
• Overlooking destination-specific coverage
• Not checking the claim settlement ratio of the insurer
• Missing out on add-ons
• Buying insurance at the last minute
• Assuming all policies are the same

3. How can I buy travel insurance online?

You can buy travel insurance online from your preferred insurance company’s website or app and also from an insurance aggregator platform.

4. What are the advantages of purchasing travel insurance online?

Purchasing travel insurance online offers convenience, allowing you to compare multiple plans quickly from the comfort of your home. It often provides access to exclusive online discounts and faster policy issuance. Also, digital platforms make it easier to read reviews and understand policy features before making a decision.

5. Can I customise my travel insurance coverage?

Yes, you can customise your travel insurance coverage based on your specific travel needs. Insurers often offer optional add-ons covering events like adventure sports, trip cancellation or emergency evacuation. This flexibility ensures you get comprehensive protection tailored to your trip.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Good food is one of the most reliable ways to understand a place, and Europe makes that easy. Every region has its own favourites, shaped by history, geography and daily life. In one city, you will find generations-old bakeries still doing things the old way. In another, a busy street stall might be the best spot in town. This guide walks you through some of the most talked-about eateries in Europe, what to eat, and how to stay safe while travelling.

List of famous eateries in Europe to visit

Here is a list of some of the most famous eateries in Europe:

El Cellar de Can Roca, Spain

Located in the historic Girona, about forty minutes by train from Barcelona, El Cellar de Can Roca was rated the best restaurant in the world in 2013. Owned by the three Roca brothers, Joan, Josep, and Jordi, each of whom plays a significant role as the chef, sommelier, and pastry chef, respectively. This restaurant is renowned for its flavours of the Iberian Peninsula. Their presentation of dishes is simply beyond comparison.

Mirazur, France

This restaurant is located about twenty miles East of Nice in picturesque Menton in France. This restaurant believes in minimalism and uses the freshest ingredients sourced from the chef’s organic garden. The Mediterranean seafood served here by the Argentine chef, Mauro Colagreco, is truly delectable.

Vendome, Germany

Set up in the year 1711, this palace hotel is located in Bergisch Gladbach, Germany. This hotel is reputed to be the best in Germany. Famed for its innovative German cuisine, the hotel also serves French, Italian and even some Asian dishes. The chef, Joachim Wissler, also churns out some great fusion dishes.

Vila Joya, Portugal

Vila Joya is a beach resort and spa in the famous resort town of Albufeira in Portugal. Nestling on a cliff that offers a wonderful view of the Algarve coast, Vila Joy boasts of housing one of the best restaurants in the world, with two Michelin stars to its credit. The Austrian chef Dieter Koschina applies North European cooking methods to local ingredients, and the outcome is simply magical.

The Fat Duck, UK

Situated in the tiny hamlet of Bray, an hour’s journey from Paddington station, this restaurant offers you fascinating culinary experiences. The chef Heston Blumenthal believes in making every dish a multi-sensory experience. While you are there, do not miss his “Sound of the Waves” dish and the mock turtle soup.

Schloss Schauentein, Switzerland

Schloss Schauentein is an 18th-century castle situated in Furstenau, about two hours from Zurich by rail. It houses one of the best Swiss restaurants in the world. The chef, Andreas Caminada, is well known around the world for his mastery of Swiss cuisine and boasts three Michelin stars.

Hof Van Cleve, Belgium

This restaurant is located in Kruishoutem, 50 minutes by road from Belgium. It is an authentic Belgian restaurant with furniture, linen and glassware crafted by Belgian artists. The chef Peter Goossens transforms local ingredients such as sea aster, eel, endive and dune asparagus into mouth-watering delicacies with his masterful touch. You can have your pick from a cartload of Belgian chocolates and cheese before you bid adieu to this classy restaurant.

Popular food to try in Europe

Here are some foods worth trying during your visit to Europe:

1. Paella in Spain: Originally from Valencia, paella is a rice-based dish that combines saffron, olive oil and a variety of proteins. It can be made with seafood, chicken, rabbit or a mix of vegetables, depending on the region. Traditionally cooked in a wide, shallow pan over an open flame, paella is often enjoyed as a communal meal during family gatherings or festivals.
2. Croissants in France: A true staple of French breakfast, the croissant is known for its delicate layers and buttery flavour. Made with laminated dough and baked to golden perfection, it’s best enjoyed fresh from a bakery early in the morning. Though simple in appearance, making croissants is a technical process that reflects the precision of French baking.
3. Schnitzel in Austria: Wiener Schnitzel is one of Austria’s most recognised dishes. It consists of a thin veal (or pork) cutlet that is breaded and fried until crisp, usually served with potato salad or parsley potatoes. It’s a no-fuss meal that relies on technique and quality ingredients, often enjoyed as a hearty lunch or dinner.
4. Pierogi in Poland: These dumplings are a key part of Polish home cooking and are often made for family gatherings or holidays. Common fillings include mashed potatoes, cheese, sauerkraut or minced meat. They are usually boiled, then sometimes pan-fried, and served with sour cream or fried onions for added flavour.
5. Baklava in Greece and Turkey: Baklava is a sweet dessert made with layers of thin filo dough, chopped nuts (often pistachios or walnuts) and a generous pour of syrup or honey. It’s rich, sticky and served in small portions due to its sweetness. Found in both Greek and Turkish cuisine, baklava reflects shared influences across the Eastern Mediterranean.

Reasons to explore local eateries when in Europe

Local eateries offer more than just food. They give you a closer look at how life really feels in each place. Here’s why they are worth seeking out:

• Authentic flavours: Local eateries often serve dishes made from traditional recipes passed down through generations. They offer a more genuine taste of the region compared to standardised menus at global chains.
• Affordability: Small, family-run spots or local markets are often more budget-friendly. You get fresh, hearty meals without overpaying for ambience or branding.
• Supporting the local economy: Dining at independent eateries helps small businesses thrive. Your money directly benefits the community instead of large corporations.

Safety tips when travelling around Europe

Here are some tips to help you stay safe while exploring:

• Keep your belongings safe: Pickpocketing is common in crowded areas like markets, train stations and public transport. Use a crossbody bag with a zip, avoid keeping valuables in back pockets and stay alert in busy places.
• Know emergency numbers: The number 112 works across all EU countries for police, ambulance and fire services. It’s helpful to memorise or save this number on your phone, especially if you're travelling solo.
• Stay alert in tourist areas: Scammers often target busy landmarks or attractions. Be cautious of people trying to distract you, asking you to sign petitions or offering unsolicited help with bags or maps.
• Use registered taxis or rideshare apps: In many cities, unlicensed taxis still operate and may overcharge or be unsafe. Use official taxi stands, ask your hotel for trusted providers or use apps like Uber or Bolt where available.
• Drink responsibly: If you are going out at night, pace yourself and know your limits. Stick with people you trust, watch your drink and avoid walking alone in unfamiliar areas late at night.

Reasons to buy travel insurance for Europe

Travel insurance might feel like an extra step, but it can save you time, stress and a lot of money when things don’t go as planned. Here’s why it’s worth having:

• Medical treatment in Europe can be expensive for visitors: If you fall sick or get injured, even a basic consultation or hospital visit can cost hundreds of euros. Travel insurance covers emergency care, tests, medication and, in some cases, hospital stays.
• Insurance helps with costs if your flight gets cancelled or delayed: Unexpected delays or cancellations can lead to hotel rebookings, missed connections or extra meals and transport. With insurance, these costs are often reimbursed, depending on your policy.
• Lost bags or stolen items can ruin a trip without cover: Baggage delays or theft can leave you stuck without essentials. Travel insurance offers protection if your luggage goes missing or your electronics are stolen, helping you replace what you need and continue your trip.
• Some Schengen countries require insurance for visa approval: If you are applying for a Schengen visa, valid travel insurance is a mandatory part of the process. Your policy must meet minimum coverage requirements to be accepted.

Conclusion

Local eateries help you experience the real flavours of Europe. Each dish tells you something about the place, its people and its way of life. To make the most of your trip, it helps to be prepared for unexpected issues. Delays, lost bags or medical emergencies can interrupt your plans. This is where single-trip travel insurance becomes useful. It offers cover for one journey and protects you against common travel risks.

FAQs

1. Is it expensive to eat at popular restaurants in Europe?

Some are pricey, but many well-known local spots are affordable. Street food and smaller cafés often offer great meals for less.

2. Do I need to make reservations in advance? 

For high-demand places, yes. It's best to book in advance, especially for Michelin-starred or trendy restaurants.

3. Can vegetarians find good food in Europe?

Absolutely! Many countries offer vegetarian dishes or alternatives. Cities like Berlin, Amsterdam, and London are very veg-friendly.

4. Is tipping necessary in European eateries?

Tipping isn’t always required but is appreciated. In most countries, 5-10% is enough if the service charge isn’t already included.

5. What should I do if I get sick after eating?

If symptoms are mild, rest and hydrate. If it's serious, visit a doctor or hospital. This is where travel insurance can help.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Travelling is all about the allure of exploring new places, meeting people, experiencing new cultures and taking in the natural wonders that are too hard to resist. During the journey, with the excitement, you may also encounter several difficulties. One of the most common issues many faces when travelling from one country to another is foreign exchange and getting the best exchange rates. Not to mention, the various charges associated with swiping your credit/debit cards can cut into your travel expenses as well. Here, Forex card comes to the rescue. It is a hassle-free way to get the much-needed foreign currency.

What is a Forex card?

A Forex card, also called a foreign exchange card, is a prepaid travel card used by international travellers to carry foreign currency securely and conveniently. You can load it with multiple currencies, swipe it like a debit card or use it to withdraw cash from ATMs abroad. You can also refill the card whenever required.

Forex cards help you avoid high currency conversion charges and transaction fees associated with credit or debit cards. The exchange rate is fixed at the time of loading, protecting you against future rate fluctuations.

Forex cards are typically issued by banks, travel agencies and Forex and financial service providers.

Key benefits of using a Forex card

Forex cards are a better alternative to credit or debit cards for international travellers as they offer better currency control, security and savings. Here are some advantages of them:

Customisable options

Forex cards are available in different variants to meet the unique needs of travellers. Whether you're a student studying abroad, a business professional or a frequent backpacker, there’s a card tailored for you. You can choose between single-currency and multi-currency cards, or opt for specialised cards that offer added perks—like fee waivers or discounts on cross-border transactions for frequent travellers.

Locked-in exchange rate

Forex cards are pre-loaded with the forex amount and serve as a great hedge against the volatility of currency prices. The rates offered with a Forex card are always better as, unlike credit/debit cards, the rate of exchange is not pre-determined by banks. Rather, they are based on the exchange rate of the day which remains fixed. This also allows the user to load the forex value on the card in advance, especially when these values are good.

Lower fees

Prepaid Forex cards are cheaper to use too. Most of these offer the first three transactions for free, with subsequent transactions being charged at a maximum of USD 2. On the other hand, debit/credit cards charge a flat fee to the tune of ₹300. Another benefit is that Forex cards are devoid of ATM charges, which are usually levied by other cards up to 3%.

More security

Just as in the case of credit/debit cards, a Forex card can be blocked instantly in the unfortunate event of it being lost or stolen. However, in contrast to the former, the funds in a Forex card can be instantly transferred to a new account, thus making it more flexible, functional and convenient. Some companies also give an additional card that can be activated instantly, in case the primary Forex card is lost.

Widespread acceptance

Forex cards are gaining increased acceptance in countries around the world. They are now being accepted not only in big shopping malls, restaurants and fancy hotels, but also in taxis and local shops.

Difference between Forex card & other payment options

When travelling abroad, choosing the right payment method can greatly impact your expenses and convenience. Here’s a quick comparison between Forex cards, credit/debit cards, and cash to help you decide what suits your travel needs best.

Things to know before using Forex cards

When choosing a Forex card for your travels, it’s important to understand the key factors that can affect your experience and expenses. Keeping these points in mind will help you ensure smooth transactions abroad.

1. Be aware of applicable charges

Before applying for a Forex card, understand all associated fees such as card issuance charges, cross-currency fees and replacement card costs. Knowing these will help you choose a cost-effective option and avoid surprise deductions later.

2. Compare card options across providers

Different banks and financial institutions offer various Forex card features and benefits. Take time to research and compare multiple options so you can select one that best fits your travel and spending needs.

3. Understand transaction limits

The Forex card has a predefined daily withdrawal or spending limit, which can vary by provider. Being aware of these limits helps you plan your expenses better and avoid payment rejections while travelling.

4. Check reload flexibility

Choose a Forex card that allows easy and instant reloading, especially online. This is particularly beneficial during emergencies when you might need to top up your balance quickly.

5. Know the insurance benefits

Many Forex cards come with built-in insurance benefits, such as protection against theft, loss or fraud. Confirm the type and extent of coverage with your card issuer to ensure you're adequately protected during your travels.

Role of travel insurance when using Forex cards on your international trip

Although Forex cards often come with insurance benefits provided by the issuing bank in collaboration with insurance companies, they are limited. The coverage may include card theft, loss of personal documents, baggage delays and even air accident death. While these perks offer a layer of protection, it’s important to note that the scope of such coverage is quite restricted.

Medical expenses, emergency evacuations or major trip disruptions are typically not covered under Forex card insurance. This is where a comprehensive overseas travel insurance plan becomes essential. It provides broader protection—ranging from medical emergencies and hospitalisation to trip cancellations and more. So, while a Forex card complements your travel safety with limited benefits, it cannot substitute a full-fledged travel insurance policy when travelling internationally.

Conclusion

The cost-effectiveness, convenience and security that Forex cards offer make them an appealing alternative to conventional debit/credit cards. While planning your next journey, consider a Forex card as well as travel insurance for a smooth and peaceful trip.

You can obtain a Forex card and travel insurance online easily from the comfort of your house.

FAQs

1. What are the eligibility criteria to apply for a Forex card?

To be eligible to apply for a Forex card, you must be an Indian citizen holding a valid passport.

2. What are the documents required to apply for a Forex card?

When applying for a Forex card, you have to submit the following supporting documents:

• Valid passport
• A2 form
• PAN card

3. For what purpose you can apply for a Forex card?

You can apply for a Forex card to manage the following activities in a foreign land:

• Expenses of leisure trip
• Course fees and living costs of studying abroad
• Cost of medical treatment abroad

4. Can you use a Forex card for cash withdrawal?

Yes, a Forex card can be used to withdraw cash from ATMs in foreign countries. However, banks may charge a nominal ATM withdrawal fee and limit the amount per day. So, check the specific terms with your card issuer.

5. Is a visa needed to get a Forex card?

No, a visa is not mandatory to get a Forex card. You only need valid travel documents like your passport, confirmed air tickets, and sometimes basic KYC documents. Requirements may slightly vary by bank, so it’s good to confirm with them directly.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Buying a travel insurance policy is a wise choice before going on any trip. It protects you from unexpected complications like medical emergencies, trip cancellations, lost baggage or travel delays. However, once you have bought the policy, what next? Many people forget that there are a few important things to do after the purchase to make sure they are truly covered.

Here’s a simple guide on what to do after buying a travel insurance policy.

List of things to do after purchasing a travel insurance policy

Here is everything you need to do after purchasing your travel insurance policy and before departing for your trip:

1. Review the documents

Once the travel insurance policy has been purchased, an email containing all the necessary information pertaining to your policy is sent to you. This email is called the confirmation document and has information such as the coverage date, policy number and most importantly, the emergency contact numbers.

The emergency contact numbers are extremely important, as these are the numbers that you will need to contact when you run into trouble on your trip. It is recommended that you keep a printout of these numbers with you, as cellular coverage is not always reliable.

2. Use the free look period

You would be given a period of 15 days, or as applicable, from the date you receive the policy to review the terms and conditions. If you disagree with any of the terms or conditions of the policy, you have the option to return the policy, stating the reasons for your objection.

If this situation applies, you can get a refund on the premium you paid. However, the insurer will subtract any costs they have already spent on medical check-ups for the insured person(s) and stamp duty fees.

If the cancellation request comes 30 days after the policy period start date, a pro-rata refund of the premium would be paid to you. This is applicable only for policies with a duration of 365 days or more.

3. Read the exclusions

The free look period also provides an opportunity to go over the ‘exclusions’ section of the policy. This section clearly states the situations in which coverage is not provided. It is imperative to go through this at least once so that you know exactly what you have signed up for and what is not covered. The certificate, policy and description of coverage documents, will all have this section in them.

4. Clear your doubts

Now that you have gone through your policy documents, you must have doubts. That’s where the insurer’s 24x7 toll-free helpline comes into the picture. Call them up and get your doubts clarified. Envision a claim situation that you think is likely to arise and enquire about the possible steps and outcome. This will give you more confidence to tackle the situation if it ever happens.

How to check & verify your travel insurance policy details?

After purchasing a travel insurance policy, it’s important to go through the document carefully and make sure all the information is correct. Here’s how you can verify your policy details step by step.

1. Check your personal information

Start by checking your personal information. Your full name, date of birth, passport number and contact details should all be correct. The name should exactly match the one on your passport. Even small errors in spelling or numbers can cause problems during claims.

2. Verify travel dates

Next, verify the travel dates mentioned in the policy. Make sure the coverage starts from the day you leave and ends on the day you return. If there’s any gap in dates, your trip might not be fully covered. Contact the insurance company immediately if you notice anything incorrect.

3. Ensure your destination is covered

You should also check whether your destination is covered under the policy. Some countries may be excluded, especially if they are listed under travel advisories or are considered high-risk. If your destination is not covered, your policy won’t be valid there.

4. Review coverage details

Go through the coverage details to understand what exactly is included. Most policies cover medical emergencies, trip cancellations, lost or delayed baggage, personal liability and accidental injury or death. Check if these benefits are part of your plan and what the maximum claim amount is for each. This amount is usually called the “sum insured.”

5. Understand the claims process

Understanding the claims process is another crucial step. Learn what documents you will need for a claim, like medical bills, police reports or receipts, and how you are expected to submit them. Some insurers allow online or app-based claims. Also, check if there’s a deadline for informing the company after an incident, which is usually within 24 to 48 hours.

6. Check for add-ons and extra coverage

Lastly, if you have paid for any additional benefits or add-ons, like COVID-19 coverage, gadget protection or adventure sports coverage, make sure they are clearly mentioned in the policy document. If anything looks missing or incorrect, reach out to the insurer right away to fix it.

Things to remember post purchasing a travel insurance policy

Here are some things to keep in mind after purchasing a travel insurance policy:

• Travel dates should match policy dates: The coverage should start from the day you leave and end when you return.
• No claims for pre-existing conditions unless declared: If you have any existing health issues, they should be disclosed at the time of buying the policy.
• Coverage for adventure sports or high-risk activities may be excluded: If you plan to do activities like scuba diving, skiing, or hiking, check if they are covered.
• File claims as soon as possible: Delays may lead to claim rejection. Always report any issue immediately.
• Keep receipts and proof: Whether it's for medical treatment or lost items, proof is needed to support your claim.

Conclusion

Travel insurance is there to give you peace of mind, but that only works if you understand what you are covered for and how to use it. This is particularly important when it comes to overseas travel insurance, as dealing with emergencies in a foreign country can be more complicated and expensive.

After buying travel insurance online, take some time to read the details, verify everything and keep the important information handy. This way, if something does go wrong, you will know exactly what to do and who to contact. A little preparation goes a long way in ensuring a smooth and stress-free trip.

FAQs

1. Can I make changes to my travel insurance after purchasing it?

Yes, most insurers allow you to make corrections to your policy within a few days of purchase. Contact customer support if you notice any inaccuracies.

2. What documents should I carry while travelling?

Carry a soft and hard copy of your policy, your passport and emergency contact numbers provided by the insurer.

3. What should I do if I lose my luggage?

Inform the airline immediately and get a Property Irregularity Report (PIR). Then, contact your insurer with this report and your baggage tags.

4. How soon should I file a claim?

As soon as possible. Most insurers have a deadline, usually 24 to 48 hours after the incident, to report the issue.

5. Am I eligible for a refund if I cancel my travel plans?

If your policy covers trip cancellations and you meet the conditions (like illness, death in the family, etc.), you may be eligible for a claim. Read the terms carefully.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Travelling to new places is an exciting experience that lets you experience new cultures, explore sights and indulge in adventure activities. Sometimes, even the most well-planned trips can take an unexpected turn due to unforeseen incidents like medical emergencies, lost baggage, flight cancellations, etc. However, you don’t have to worry about these incidents disrupting your travel plans, if you have travel insurance to safeguard you. It acts as a safety net, ensuring that you’re not left stranded financially or logistically when things go wrong during your journey.

You must know that not all policies are created equal. Before you purchase a plan, it’s essential to review key factors to ensure you’re adequately covered.

Importance of buying travel insurance

Travel insurance is more than just a formality—it's a smart way to safeguard your trip from unexpected setbacks. Here are the key reasons why buying it is important:

Safeguards against unexpected medical expenses

In some foreign countries, medical expenses can be high and if you suffer any accidental injuries or fall ill, the cost of treatment can be heavy on your pocket. However, if you have international travel insurance, it covers hospitalisation and emergency evacuation.

Covers trip interruptions or cancellations

Reimburses non-refundable expenses like airfare (especially if booked under a non-refundable fare), hotel reservation charges, transportation booking costs, etc., if your trip is disrupted due to illness, bad weather, airline strikes or family emergencies.

Protects your baggage and personal items

If your luggage is lost during transit, stolen at any point in your journey or delayed after checking in, travel insurance provides financial compensation to help you manage the inconvenience. This coverage allows you to claim reimbursement after buying essential items such as clothes or toiletries while you wait for your luggage to be returned or replaced.

Provides travel document protection

If your essential travel documents get stolen or lost due to baggage theft during your journey, the policy covers the costs of replacing vital papers like passports, visas, etc. This helps you continue your trip, avoiding delays caused by missing documentation.

Helps with rental vehicle issues

If the rental vehicle you use gets damaged due to an accident, your travel insurance can help cover the repair costs or any compensation demanded by the rental agency. The policy also supports additional travel expenses for arranging alternate transportation.

Offers liability protection

When you are touring a foreign land, if you accidentally cause injury to any person or damage their property, the policy will help cover third-party compensation claims and any legal expenses that may arise from police or court proceedings.

Assists you 24/7 during emergencies

The policy provides round-the-clock support during medical emergencies and other unforeseen events that may disrupt your trip. This includes 24/7 phone assistance and a cashless treatment facility, ensuring you get timely help without upfront payments.

Provides peace of mind

From unexpected medical bills to third-party compensations, travel insurance acts as a financial safety net to prevent out-of-pocket expenses. The policy ensures that you’re not left bearing the entire financial burden, allowing you to travel with greater peace of mind and confidence.

Checklist for buying a travel insurance policy

Buying a travel insurance policy that does not serve your purpose can burn a hole in your pocket or worse, leave you stranded during an emergency.

The following checklist will guide you in selecting an apt insurance plan for your trip:

Getting the basics right: Policy fundamentals

Country-specific

Look for international travel insurance that will protect you financially in your host country. You do not want to buy a policy that covers European hospitals while a major part of your trip involves staying in New Zealand. The social, political and geographical history of your destination also plays a vital role in the quality of your travel. If need be, opt for protection against civil unrest, riots, earthquakes, and terrorism.

Note: If you are traveling to any Schengen country, consult your insurer and get insurance that meets specific requirements.

Cancellation at short notice

 Your travel insurance plan might be cancelled or you might cut short your trip due to other pressing matters. Besides favourable terms of cancellation and refund in the travel insurance policy, check for clauses offering reimbursement of premium too.

Annual or single-trip travel insurance

 If you are a frequent traveller, investing in an annual travel insurance plan instead of several single-trip plans is more economical and hassle-free.

Family Coverage

 If your family plans to travel with you, opt for a family travel insurance plan.

The must-haves: Policy inclusions

Health first

Accidental injuries and severe illness can lead to medical emergencies. An ideal travel plan should cover the cost of hospitalisation, offer daily allowance during hospitalisation and provide compensation for temporary or permanent disablement.
Note: Prior to deciding the extent of coverage, remember to enquire about the general cost of treatment in the host country. You would not want to be stuck with a plan that is inadequate when you are hospitalised abroad.

Emergency evacuation

Check whether the cost of transporting you to the nearest hospital or back to India is covered under the policy. If children accompany you on the trip, look out for a clause that can cover the cost of their travel back to India during emergencies.

Errant flight plans

 Dependency on airlines for connecting flights makes you vulnerable to delays and even financial losses. Shortlist travel plans that offer compensation for trip interruptions due to errant flight schedules.

Personal effects

Opt for international travel insurance policies that compensate you for stolen or lost baggage, personal effects or travel documents including your passport.

Personal liability

Check if your plan provides a sum for bailing you out of distress situations in case you become liable to a third-party injury or damage to their property on foreign soil.

Additional tips for buying a travel insurance plan

Buying a travel insurance plan requires more than just ticking a box — it involves thoughtful evaluation to ensure it truly meets your needs. Here are some additional tips to help you make an informed and effective choice.

Excess coverage

 Ask yourself if you really need insurance against the risks covered. Getting covered for pre-existing diseases, when you have none will only add to the premium amount.

Risks not covered

Accidents due to extreme sports might not be covered. If your itinerary has such activities, speak to your insurance company for a tailor-made plan.

Stopovers

Do you plan to stop on the way to your destination or on the way back home? Check with your embassy if you require travel insurance and an airport transit visa for staying at such places.

Phone assistance

Look for plans that provide round-the-clock dedicated helpline numbers that make reaching out to your insurance representative easy in times of need.

Account for your age and health

 If you're a senior traveller or have pre-existing medical conditions, opt for a policy tailored to your health profile.

Choose a trusted insurer

Buy travel insurance from an insurer known for transparent policies, strong claim settlement ratios and reliable customer support.

Check policyholder feedbacks

Checking verified reviews online from other travellers can provide insights regarding the reliability and service quality of different insurance companies.

Customise with relevant add-ons

You can extend the coverage of your basic travel insurance policy by adding riders that align with your travel plans — such as gadget protection, rental vehicle cover or event-specific cancellation benefits.

Seek clarity on coverage

Contact the insurance company’s customer service to clarify any confusing terms or coverages before making a purchase.

Why should you buy travel insurance online?

Buying travel insurance online has many perks compared to the traditional offline method. It empowers you to make informed decisions from the comfort of your home. Online travel insurance purchase is advantageous for the following reasons:

Easy comparison and customisation

On insurance aggregator platforms, you can instantly compare different plans from various insurers, adjust coverage and select add-ons tailored to your needs, without any sales pressure.

Convenience of purchase

You can obtain international travel insurance from the comfort of your home, with insurance websites offering 24/7 access to quotes, policy changes and digital documents.

Transparency and clarity

Online platforms often provide clear details regarding the inclusions, exclusions and premiums of the policy. This helps you avoid surprises later.

Cost savings

Buying travel insurance online can be more affordable since no agents or middlemen are involved and this allows you to find the best deal without paying commissions. Most websites also offer instant discounts on premiums.

Quick customer support

Reputable insurance companies offer 24/7 responsive customer support through multiple channels like live chat on the website, email, phone calls, etc.

Conclusion

Travel insurance isn’t just an optional add-on—it’s a crucial safety net covering health emergencies, travel mishaps and trip/flight cancellations. So, before your next trip, choose a plan that fits your destination, duration and personal needs to ensure a smooth journey. Investing in a good international travel insurance plan gives you peace of mind in a foreign land and lets you focus on enjoying your trip without any worries.

FAQs

1. Is travel insurance a mandatory requirement to visit foreign countries?

Travel insurance is not mandatory in all countries. However, several nations require travellers to have valid travel insurance policies as part of their visa or entry requirements.

2. What is the validity of international travel insurance?

Not all countries mandate the requirement for travel insurance. Single-trip plans cover one journey (typically 3–6 months), while multi-trip plans offer coverage for multiple trips within a year.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

For travel enthusiasts, trips to new places are always an exciting opportunity for exploration and adventure. However, with the thrill comes the risk of encountering scams- it creeps in right from your booking to your time in a foreign land. Travel scams can quickly turn a dream journey into a nightmare. So, you should be aware of the pitfalls and be prepared to avoid being prey for scammers.

This guide details some travel cons and practical tips to stay safe and avoid getting scammed while travelling.

Reasons why travellers are easy targets for scams

Travellers often become easy targets for scams due to the following reasons:

• Unfamiliarity with the local area: Travellers often are unaware of the local streets, neighbourhoods or customs of the foreign country, which makes them susceptible to being misled or deceived by scammers.
• Apparent tourist behaviour: When you use maps, click photos with awe or ask for directions, it signals that you are a tourist. Scammers looking for easy prey will then target you.
• Language barrier: Communicating smoothly in a foreign language can be a trouble for many tourists and this may often lead to confusion. Scammers may take advantage of this situation and offer you help or give misleading information to exploit you.
• Cultural differences: When you don’t understand the local way of life—such as how people greet, dress or behave—you may misinterpret situations or trust the wrong people. This lack of awareness can lead you to fall for tricks or scams.
• Carrying valuables: Tourists usually carry costly items like cash, credit cards, passports and electronic gadgets, making them attractive targets for thieves or fraudsters.

Common travel scams to watch out for and the tips to protect yourself

When you are travelling to a foreign country, be alert not to fall for the following scams:

1. Money-changing fraud

You may need foreign currency anytime during your trip abroad. Unofficial currency exchange vendors may trick you and give you outdated or fake currency. So, always use bank-affiliated currency exchange centres or ATMs to avoid such issues.

2. Fake tours

Some shady travel agencies may promote cheap or exclusive tours that either don’t exist or offer a far worse experience than advertised. They may take your payment and disappear or offer unlicenced tours. This calls for more vigilance before booking a travel plan online. Cross-check the credibility of any travel-related offer by authenticating it directly with the airlines or hotels.

3. Taxi overcharging

One of the most common travel scams is the overcharging of tourists by transport vehicles. Cabs from airports or buses around the city may charge you much more than the actual fare. Always ask an authorised person or hotel staff about the estimated cost for the ride and collect knowledge about the routes before hiring any vehicle.

4. Unauthorised tourist guides

Fake or self-proclaimed guides can overcharge, mislead you about attractions or take you to shops where they earn commissions. So, it is better to hire a trusted tourist guide from an authorised agency that can escort you during your trip. You might be paying a few pennies more for its services, but it can save you from fraudulent attempts on foreign shores.

5. ATM skimming or fake ATMs

Scammers install hidden devices on ATMs that clone your card and record your PIN. They then use that to steal your money. So, use ATMs inside banks and cover the keypad when entering your PIN.

6. Fake visa or travel document websites

Some fake websites may appear legitimate and offer visas, passports or entry permits. They steal your details or charge high fees for invalid documents. Always apply through government websites or trusted agencies.

7. Ticket scams

Fraudsters sell fake or used tickets for transportation or visiting tourist attractions. These are often sold near entrances or on fake websites. Always buy tickets from verified counters or official online platforms.

8. Rental damage scam

Bike or car rentals may accuse you of damaging the vehicle and charge hefty repair fees. To avoid this, take photos of the automobile before use and insist on getting a contract.

9. Tourist distraction scams

Fraudsters may try to divert your attention in crowded tourist areas by staging street performances, children begging or groups causing a commotion. While you get distracted, pickpockets strike.

What to do if you get scammed abroad?

Getting scammed while travelling can be upsetting and stressful — especially when it involves financial loss. If you experience theft or lose money due to a scam during your trip, you can contact your country’s embassy and explain your situation. They can guide you on how to report the scam to the local law enforcement agency. Otherwise, if you know the procedure to follow, you can report the incident directly to the local police.

Many tourist destinations also have dedicated tourist police who are well-versed in common scams and ready to assist travellers. You can immediately seek their help. Always follow local authorities’ instructions to ensure your case is officially recorded.

If you have international travel insurance, report the theft to your travel insurer. Your insurance company may require a copy of the FIR within a specific timeframe to process your claim

Role of travel insurance in scam protection

Travel insurance can play a critical role in shielding you from the financial fallout of scams encountered during travel. Below are the key ways it can help:

• Lost or stolen baggage
  Travel insurance reimburses the cost of replacing stolen luggage or personal items during your trip.
• Lost travel documents
  Covers replacement costs if essential documents like your passport or visa are stolen.
• Cash and bank card protection
  Offers limited compensation for stolen cash or fraudulent use of your bank cards due to a scam.

When you buy travel insurance online, it may be noted that not all plans offer the same protection. So, review the policy inclusions and exclusions carefully.

Conclusion

Your unfamiliarity with local customs, people and their behaviour makes you more vulnerable to travel-related scams. You need to be cautious about everything that may disrupt your vacation. Arming yourself with international travel insurance is a great way of insulating yourself from the consequences of unfortunate incidents that may happen on foreign shores.

FAQs

1. Can a travel scam impact your itinerary?

Yes, scams like fake bookings or legal complaints can force you to change or cancel your plans, incurring unexpected costs.

2. Why should you avoid accepting help from strangers at ATMs?

Strangers could be scammers trying to watch the PIN you enter or lure you to tampered machines for card skimming.

3. Is it necessary to get an FIR from the local police for a travel insurance claim?

To make a travel insurance claim, you must submit a copy of the FIR to prove the incident of theft.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Business travel is a regular part of work for many companies, whether it's meeting clients, attending conferences or managing operations in different locations. However, just like personal travel, business trips come with risks. That’s where corporate travel insurance comes in. It helps protect both the company and its employees from unexpected problems while travelling.

What is corporate travel insurance?

Corporate travel insurance is a kind of insurance that covers employees who travel for business purposes. It helps protect them against travel-related issues such as trip cancellations, medical emergencies, lost luggage or flight delays. This insurance is usually arranged by the employer, making sure their team is safe and supported while on the road.

Who needs to buy corporate travel insurance?

Corporate travel insurance is typically bought by businesses, especially those that send employees on frequent domestic or international trips. It is useful for:

• Large companies with regular business travel
• Small businesses with occasional travel needs
• Startups expanding to new markets
• Remote teams that travel for meetings or training

Even if travel isn't frequent, having a policy in place can be a smart way to manage risks.

What is covered under a corporate travel insurance policy?

While the list below is by no means exhaustive, covering yourself in these areas is suggested for effective risk management:

• Transportation/evacuation in case of a medical emergency: While this will not cover your medical expenses, it will take care of medically required transportation costs. For example, air evacuation, medical escorts, oxygen cylinders in transit, etc., will be covered.
• Delay in baggage arrival: This includes any costs incurred by you for essentials required while the airline locates and returns your delayed baggage to you.
• Trip cancellation: If a trip has to be called off because of unexpected events like severe weather, sudden illness or injury, losing a passport, legal issues or financial troubles such as bankruptcy, the insurance can help recover any non-refundable bookings or advance payments.
• Trip delay: This will cover costs for hotel stay, dining and transportation required due to a delay in your travel for reasons like flight delays, bad weather, lost documents, strikes, etc.
• Lost baggage: If your baggage is lost or stolen, this coverage can offset your financial losses to a large extent. Any expensive equipment that you are carrying is also covered here.
• Medical coverage: This will cover any emergency medical expenses that you could incur during travel, including helping you to locate facilities that can assist you.
• Miscellaneous expenses: Expenses like renting of equipment, courier services, etc., may be covered in certain policies.

Exclusions of a corporate travel insurance plan

Just like other types of insurance, there are some things that are not covered. Common exclusions include:

• Pre-existing medical conditions: Illnesses or health issues the traveller had before the trip are usually not covered unless specifically included.
• Routine or planned medical care: Regular check-ups or elective treatments, like cosmetic surgery, are not included.
• Pregnancy and childbirth: Normal pregnancy-related care is typically excluded unless it's an emergency.
• Mental health and self-harm: Issues such as depression, anxiety or self-inflicted injuries are not covered.
• High-risk activities: Adventure sports like skiing, scuba diving or mountain climbing are not covered unless added as an extra.
• War or civil unrest: Losses due to war, riots or acts of terrorism may be excluded.
• Illegal activities: Any claims arising from breaking the law or reckless behaviour will not be accepted.
• Missing documents: Claims without proper paperwork, like receipts or police reports, may be rejected.
• Consequential losses: Losses that are indirect, like missed business deals, are generally excluded.

Additional benefits of corporate travel insurance

In addition to basic coverage, many corporate policies offer:

• 24/7 emergency support for travellers in any time zone.
• Coverage for multiple trips under one annual plan.
• Customisable policies based on the company’s travel frequency and budget.
• Coverage for laptops and business equipment.
• Help with legal and translation services in foreign countries.

Ways to choose the right corporate travel insurance plan

Here are some tips to help companies choose the right plan:

• Assess travel frequency and destinations: Choose a plan that fits how often and where employees travel.
• Compare providers: Look at coverage details, customer reviews and claim processes.
• Check for group or annual plans: These are usually more cost-effective than buying per-trip coverage.
• Make sure coverage includes business gear: This is especially important for teams carrying laptops or sensitive documents.
• Understand exclusions and limits: Always read the fine print.
• Work with a licensed insurance advisor: They can help find the best plan for your business needs.

Conclusion

Corporate travel insurance is a smart investment for any company that sends employees on the road. It protects both people and business interests from unexpected travel issues. When exploring options, consider searching for travel insurance online to compare different providers and policies. For businesses with a global presence, international travel insurance is particularly crucial, offering specialised coverage for medical emergencies, trip cancellations and other potential issues that may arise during overseas assignments.

FAQs

1. Is corporate travel insurance mandatory?

No, it’s not mandatory, but it’s highly recommended for companies with travelling employees.

2. Can it cover international trips?

Yes, most corporate travel insurance plans cover both domestic and international travel.

3. Is one policy enough for multiple employees?

Yes, group or annual plans can cover multiple employees under one policy.

4. What happens if an employee gets sick during a trip?

The policy will usually cover medical treatment, hospital stays and even emergency evacuation if needed.

5. Does it cover personal travel too?

No, corporate travel insurance typically covers only business-related travel. Personal trips require separate coverage.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Dallas, Texas, is a city that offers something for everyone, right from history buffs to nightlife lovers. Tourists with a creative bent of mind can roam around for hours at its largest arts district and enjoy electric performances and colourful festivals. Entertainment lovers can chill out at its buzzing amusement districts.

1. Loads of free attractions

With a wide range of free attractions to visit and a huge number of free motels, Dallas is a dream come true for budget travellers. The city offers a wide range of wilderness trails to be in touch with nature. You can go on a hiking trip at Cidar Ridge Preserve, or taste fresh fruits and vegetables at the Dallas Farmers Market.

2. Entertainment choices

Get a slice of the good life at Bishop Arts District. Cafes, boutiques, galleries and bars offer exciting options for tourists. If you are a connoisseur of wine, take one of the famed Wine Walks in the district. If you are still not satisfied, take a stroll in the Dallas Arts District. Spread across a sprawling 68 acres, it is home to museums, churches and extraordinary architecture.

Though Dallas is an awesome place for entertainment, do not lose yourself! A few rough areas are notorious for crime during the night. Avoid areas like Greenville, Bryan Street, Gaston and Oak Cliff at night.

3. Places to see

Dallas has something for children and adults alike. Children have a gala time at different fun events at the Dallas Children's Theatre. They can be in close quarters with different animals at the Fossil Rim Wildlife Centre. It is not only a fun place for children, but also for families.

Families can also have a fun outing at Zero Gravity Thrill Amusement Park. Enjoy its extreme rides - you can move up at a gravity-defying speed with its rockets. Alternatively, fall down at a breakneck speed with its bungee jumping activity.

4. Nature's attractions

Dallas is nature's abode with its different botanical gardens. Dallas Arboretum and Botanical Garden is the most famous with its blossoming flowers and awesome adventure camps. If you are a history lover, visit the Fort Worth Botanic Garden with its museum and exotic flowers like orchids and roses.

Move over to Ijen Crater with its gushing waterfalls and riveting volcanic scenery. If you wish to move over from the drama of volcanoes, laze around at its coffee plantations.

5. A word of caution

Tourists love nature, but so do insects. Dallas is infamous for its mosquitoes, leading to diseases. It faces the peculiar West Nile Disease problem, especially during the summers. Take adequate precautions like wearing full-sleeved shirts.

Also, the city has one of the highest crime rates in America. Here, you face a one in 20 chance of becoming a victim of either a violent or a property crime.

Safeguard yourself against such risks by opting for a comprehensive travel insurance policy before flying to Dallas. Read on to find out about the various types of coverage and inclusions that you can opt for in travel insurance. Basic aspects like cashless hospitalisation, hospitalisation in case of Swine Flu/ H1N1 influenza and loss of passport or loss of belongings, are covered.

Best time to visit Dallas

The best time to explore Dallas is during the spring (March to May) and fall (September to November). During these months, the weather is pleasant and perfect for walking tours, outdoor dining and exploring the city's many parks and festivals. Summers can be hot and humid, while winters are generally mild, but occasional cold snaps can surprise you.

Best restaurants in Dallas

Dallas is a culinary wonderland. Whether you're after authentic Texas BBQ, spicy Tex-Mex or gourmet dining, you’ll find it all:

• Pecan Lodge – A legend for slow-smoked meats in Deep Ellum.
• Mi Cocina – A local favourite for Tex-Mex with a modern twist.
• Lucia – Italian fine dining in the Bishop Arts District.
• Uchi – For sushi lovers craving a fusion experience.

Do not forget to make reservations in advance since Dallas restaurants tend to fill up quickly, especially on weekends.

Weather over the year in Dallas

Dallas experiences all four seasons:

• Spring: Mild and blooming (ideal for outdoor activities).
• Summer: Hot and humid, with highs reaching 100°F.
• Fall: Crisp air, fewer crowds and colourful foliage.
• Winter: Mild but can get chilly, with occasional icy weather.

Importance of travel insurance while travelling to Dallas

Unexpected hiccups like flight cancellations, lost luggage or medical emergencies can quickly turn a trip upside down. That’s why having the best travel insurance is essential when traveling to Dallas. With a good policy, you can focus on enjoying the vibrant culture and flavours of Dallas without worry. A single-trip insurance policy is a smart, cost-effective way to stay protected throughout your journey, covering you from the moment you leave home to the second you return.

Conclusion

Dallas is a city that surprises at every turn, with art, food, music and southern hospitality. No matter your travel style, you’ll find something to love in this lively Texan city. Booking the best travel insurance and opting for a single-trip insurance policy ensures peace of mind while you dive into all that Dallas has to offer. So pack your bags and get ready to experience a destination where everything truly is bigger and better!

FAQs

1. Is travel insurance mandatory for visiting Dallas?

No, but it is strongly recommended to have coverage in place.

2. Can I get the best travel insurance for just one trip?

Yes, a single-trip insurance policy is designed for travellers going on one-off vacations or business trips.

3. What’s covered under a single-trip insurance policy?

It typically includes medical coverage, trip cancellation, baggage loss and emergency evacuation.

4. How far in advance should I book travel insurance?

Ideally, purchase it right after booking your flights and accommodations to maximise benefits. 

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

An intoxicating cocktail of glamour, art, and history, Los Angeles has it all. Whether visiting for the first time or the tenth, this tinsel town guarantees awe-inspiring moments. Read on to know the top 10 places to visit and things to do in LA 

Visit museums 

Rediscover tranquillity amidst the hustle and bustle of the city. Home to innumerable masterpieces, the Getty Museum, the Museum of Contemporary Art, and the Los Angeles County Museum are definitely worth a visit. In addition, the Grammy Museum here is the Mecca of music lovers. 

Go to Griffith Park and Observatory 

Update yourself with the latest astronomical discoveries at the Griffith Observatory. Spark up your inquisitive mind and go stargazing at the Griffith Observatory. You can also hike up the rugged trails of Griffith Park. 

Experience the Walt Disney Concert Hall 

Marvel at the steely gleam of the Walt Disney Concert Hall - A perfect symphony of architecture and art, the Disney Concert Hall is a masterpiece in itself. It boasts of being one of the most acoustically sophisticated concert halls in the world. Enjoy the classical, contemporary, world music, and jazz presented here. 

Get clicked with the Hollywood Sign 

Strolling through one of the most glamorous boulevards in the world is one of the most popular things to do in LA. Star sighting takes on a new meaning on Hollywood Boulevard. If you are lucky, you might spot a few popular actors having brunch or winding down at the Sunset Strip. Walk in the footsteps of your favourite stars at the Hollywood Walk of Fame or watch a play at the historic Grauman’s Chinese Theatre. 

Bask in the balmy sunshine on California’s Beaches 

Walking barefoot on the famous Long Beach or Malibu beach here can be a refreshing experience. Venice Beach, a major cultural hub here, has a four-kilometre-long vehicle-free stretch that encourages skaters, performers, and vendors to contribute to its vibrant atmosphere. 

Watch the tar bubbling at La Brea Tar Pits 

Venture out to the Hancock Park to watch the bubbling tar pits. Travel back thousands of years to the time when mammoths and sabre-toothed cats prowled the Earth. The Page Museum houses several fossilized remains of the organisms that were trapped in these asphalt tar pits. 

Visit the El Pueblo de Los Angeles Historical Monument 

Revel in the rich culture of Olvera Street. Tucked away from the glamour of the city, is the El Pueblo de Los Angeles Monument, the site of the origin of Los Angeles. Adobe Avila, Plaza Church, and the Masonic Hall are some of the oldest monuments in the city. 

Enjoy yourself at the Santa Monica Pier 

Soak up some sun on the Santa Monica Pier and stay on to watch the colourful sunset. This double-jointed pier contains the Pacific Park that operates the iconic solar-panelled Ferris wheel. In addition, look out for various music concerts, movie screenings, and other such fun activities on weekends. 

Have fun at the numerous theme parks and studios 

Dare to ride the crazy, loopy roller coasters. Your journey would be incomplete without visiting the various theme parks and studios of LA. You must set aside one day each for Disneyland, Universal Studios, and Warner Bros. Studios. Meet your favourite animated characters, try out the thrilling rides, and relive your childhood in these theme parks. 

Amidst the glitz and the glamour... 

LA is the city of dreams. The epicentre of Hollywood, it ranks high among the safest cities of the USA. However, the city is notorious for pedestrian accidents. Frequently observed rattlesnakes and coyotes on the rugged trails also pose a danger to the tourists. An accidental snakebite or an unfortunate accident will rob you of the fun you expected on your trip. 

Be prepared for any medical emergencies on your trip abroad, with a comprehensive travel insurance plan that can provide you with a cashless hospitalization service anywhere in the world. Losing your baggage is also a possibility, as LA has one of the busiest airports in the world. Get travel insurance that can cover your loss of baggage and shield you from such unforeseen expenses. 

Famous adventure activities in Los Angeles 

Adventure seekers will find no shortage of thrilling experiences in LA. Try paragliding over the Pacific, horseback riding in the Hollywood Hills or mountain biking through rugged canyons. For a unique twist, ziplining in Catalina Island is just a short ferry ride away. 

Famous watersports activities to experience 

The California coast is perfect for water adventures. Surf at Venice Beach, try stand-up paddleboarding in Marina del Rey or go kayaking along the sea caves of Malibu. Whale watching tours and deep-sea fishing excursions also offer unforgettable ocean experiences. 

Role of travel insurance while travelling Los Angeles 

Even the best-laid plans can hit unexpected bumps. For lost luggage, a medical emergency or last-minute cancellations, overseas travel insurance can be a lifesaver. Purchasing travel insurance online before your trip gives you peace of mind, allowing you to enjoy the City of Angels worry-free. 

Conclusion 

Los Angeles is known for its cinematic charm, natural beauty and endless activities for travellers. From its historic landmarks to the beautiful sunsets at the beach, everyone can find something of interest here. So, get ready to have the time of your life. Before starting your journey, make sure to have all the essentials ready and buy travel insurance online. After all, a well-prepared trip is the best kind of adventure. 

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information. 

Based on a research report titled 'Shaping the Future of Travel in Asia Pacific' by Frost & Sullivan and Amadeus, by 2030, 7.3 million senior citizens are expected to travel to foreign destinations. While these statistics make it clear that there is going to be a major surge in overseas travel, it also amplifies the need to make a senior-citizen-friendly ecosystem that can mitigate the risks they currently face while travelling.

Until such time, senior citizens must be additionally careful and avail of travel insurance that can safeguard them against unforeseen losses, delays, disruptions, and medical emergencies while traveling abroad. Here are some key reasons why senior citizen travel insurance is absolutely necessary.

Why travel insurance is important for senior citizens?

As you age, your health becomes more unpredictable. Combine that with the stress of travel, unfamiliar environments, and foreign healthcare systems, and the need for travel insurance becomes clear.

Multiple health issues

Age and existing medical conditions can make senior citizens vulnerable to ill health during their overseas travel. They might not be able to adapt to sudden or severe changes in temperature, food and water. Such an inability to acclimatise and lowered immunity make them susceptible to diseases. Travel health insurance for senior citizens can cover the expenses incurred towards treatment and medical care abroad.

High medical costs abroad

When travelling overseas, senior citizens might incur several medical expenses that are much higher than those in India. E.g., while an X-ray report in India costs a few hundred rupees, in the UK it can cost up to 99 pounds (approximately Rs. 9800). Travel insurance can cover many of these medical expenses.

Choose a travel insurance plan with an adequate sum assured to cover yourself from financial shocks. Experts recommend that one should avail a minimum sum insured of USD 50,000 while traveling to Schengen countries.

Accident and mortality risk

Senior citizens suffer from a higher risk of accidents due to a number of reasons. Their agility and movement are reduced due to:

• Declining eyesight

• Arthritis and other musculoskeletal challenges

• Reduced memory

• Poor concentration

• Other distractions

These accidents may result in disabilities. Based on the policy, travel insurance covers financial loss arising from such disabilities. It also covers hospitalization expenses.

Miscellaneous risks

These accidents may result in disabilities. Based on the policy, travel insurance covers financial loss arising from such disabilities. It also covers hospitalization expenses.

Home insurance within travel insurance

When senior citizens travel abroad, their homes are often unattended. In many cases, the entire family, including senior citizens, travels abroad, making their homes vulnerable to break-ins and burglary. Hence, a travel insurance cover is recommended. Opt for a comprehensive travel insurance plan, which also covers your home (structure as well as contents).

Availing travel insurance is easy online. You generally do not need a health check-up up to the age of 85 years. However, note that a claim due to or arising out of a pre-existing medical condition/ailment, whether declared or undeclared, is generally not covered under the policy.

However, if an accident takes place in the non-covered zone, then your insurance claim is liable for rejection. For example, if the accident occurs on foreign soil, such as the Maldives, Sri Lanka or Pakistan, then your auto insurance claim will be rejected.

Key factors to look at before opting for travel insurance for senior citizens

A senior citizen's travel insurance should include certain factors in its policy for enhanced coverage.

• Accidental bodily injury

• Tooth treatments due to injury

• Loss of checked-in baggage

• Emergency expenses made for medical evacuation to the resident country

• Hijack distress allowance

• Facility to provide emergency cash in case of theft

• Expenses incurred if you miss connecting flights because of a delay of more than 3 hours.

• Emergency medical expenses for any sudden illness, injury or death.

Benefits of opting for a senior citizen travel insurance plan

Here’s how senior citizens benefit from a well-chosen travel insurance plan:

• Peace of mind for self and family

• Medical emergency coverage, including pre-existing conditions

• Financial protection from trip delays, loss or cancellations

• Coverage for theft, baggage loss and legal assistance abroad

• Tailored plans with shorter or longer durations, such as single-trip insurance policythat fits the needs of a one-time visit.

• 24x7 global emergency support services

FAQs

1. Can senior citizens above 70 get travel insurance? 

Yes, many insurers offer tailored travel insurance policies for individuals over 70, although premiums may be higher.

2. Will my pre-existing conditions be covered? 

Some policies do cover pre-existing conditions. Always declare them while purchasing and check the policy for inclusion.

3. Is it better to take a single-trip insurance policy or a multi-trip one? 

For occasional travel, a single-trip insurance policy is more economical and suitable. Frequent travellers may consider multi-trip plans.

4. Is travel insurance mandatory for all countries? 

Not for all, but many countries (especially Schengen) require proof of travel insurance for visa approval.

Conclusion

Travel opens the heart and refreshes the soul, especially in the golden years of life. However, it also brings certain risks, particularly for older adults. That’s why travel insurance is not just advisable, but essential. A good single-trip insurance policy for senior citizens offers the comfort of knowing that medical emergencies, travel disruptions or even home-related issues during travel are well taken care of.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

A journey of a thousand miles, a number of countries, and unlimited travel. It seems like a task, but what helps ease out this process is your travel gear.

Ever given it a thought? If you have the right accessory at the right time on your foreign trip, you add to your comfort and security manifold. So why wait for an unexpected event to ruin your schedule?

Many times, the documents go missing, your network wouldn’t stop fluctuating in times of need, and much more. These days, travel does not revolve only around essentials to carry or must-haves. It rather extends to the hacks and gears that make travel convenient.

Pack now, pack right

A travel gear guide would do that best, and we bring to you a list of travel gear you will definitely be interested in:

1. On the Go Wireless

Our society often enjoys travelling off the grid, and the most difficult task therein is to stay connected with the world outside. But with a wireless travel gear that helps stay connected, you could travel far and wide. For emergencies and minute updates on social media, your bag needs to hold this gear to match up with your ultimate travel schedule.

2. Dry Gear Back

Imagine a dry bag that keeps all your valuables sheltered at the beach. Stop thinking and pack it right away. Choose an ultra-lightweight dry bag gear that is going to help you bring cameras and electronics to your water adventures.

3. The Setback Organiser

Go handy with your documents and iPads and organize all of them in one with an organiser. This gear solves your problems of handling gadgets, documents, and personal belongings all at one time and all in one hand.

4. The Convertible

Many of us combine business with travel, and not everyone loves to explore the new city you're travelling to, with a formal office suitcase bag. With this quirky-looking convertible bag can you can now transform to being the cool one with a backpack from the chic business look within minutes.

5. Scooter Suitcase

Forget moving walkways and airport trolleys—now there's a brand-new way to get around airports. This new tech invention allows travellers to sit on their luggage while it carries them from gate to gate.

With six miles per battery charge, the sturdy suitcase can transport up to 260 pounds at a speed of 8 miles per hour, making it super convenient for senior citizens and kids.

Another essential hack that most people ignore while travelling is travel insurance. Do not forget to safeguard yourself with a travel insurance that covers all your basic needs as while the passport might validate your entry in a foreign country, an insurance is going to help you enjoy the journey worry-free!

Packing checklist for domestic vs. international

Packing for domestic travel is relatively straightforward, while international travel requires more detailed preparation. Here’s a breakdown:

For domestic trips:

• Valid ID proof (Aadhaar, PAN, driver’s licence)
• Lightweight clothing, depending on the weather
• Local currency or digital wallet
• Mobile charger and toiletries
• Basic medicines

For international trips:

• Valid passport and visa
• Copies of travel insurance and other documents
• Universal power adapter
• Currency and travel cards
• Health certificates (vaccination proof if required)
• Travel-friendly snacks and flight essentials

Regardless of the destination, always carry a copy of your international travel insurance for emergencies.

Packing tips for long flights

• Dress in layers: Airplane cabins can be unpredictable in temperature. Carry a light jacket or shawl.
• Hydration is key: Pack an empty bottle to fill post-security.
• Pack an eye mask and earplugs: These help you rest better during overnight flights.
• Carry travel-sized hygiene products: Toothbrush, hand sanitiser, wipes and moisturiser are essentials.
• Keep important documents handy: Including boarding pass, ID and travel insurance

Things you should not include on your packing list

Here are a few things to not include on your packing list:

• Expensive jewellery: It draws unnecessary attention and risk.
• Too many clothes: Stick to versatile, mix-and-match outfits.
• Prohibited items: Sharp objects, flammable items or liquids over 100ml in hand luggage.
• Too much cash: Carry cards or use international travel cards instead.
• Irrelevant gadgets: Avoid carrying tech you won’t use.

Also, avoid skipping on travel insurance, it may not go in your bag, but it is crucial for peace of mind.

Conclusion

Packing right goes beyond just clothes and gadgets; it is about being prepared for the journey ahead. Investing in quality travel gear enhances your experience, while securing your trip with travel insurance ensures you are covered when things do not go as planned. So, whether you are exploring new countries or discovering hidden gems in your own, pack smart, travel safe, and do not forget to insure your adventures.

FAQ

1. Is travel insurance necessary for domestic travel?

While not mandatory, it is a smart choice for trips involving costly bookings, long journeys or adventure activities.

2. What does international travel insurance cover?

It typically includes medical emergencies, flight delays, lost baggage, trip cancellations and personal liability.

3. Can I buy travel insurance online just before my trip?

Yes, travel insurance can be purchased online instantly. However, it is advisable to buy it as soon as your bookings are confirmed.

4. Do I need a different policy for multiple countries?

A single international travel insurance plan can cover multiple countries. Check if your destination list is included in the policy.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Traveling solo is empowering because it reflects that you’re independent and living life on your own terms. In spite of what you may have heard, it is possible to be a woman and safely travel the world on your own. You just need to keep a few things in mind.

List of safety tips for women's solo travel

Solo travel offers incredible freedom, but it also demands heightened awareness. Here are some important safety tips every woman travelling alone should keep in mind:

1. Research well before you leave

Research is the norm for any travel plan, but it’s especially necessary if you’re travelling solo. You want to know which areas you should avoid in the city that you’re travelling to, how their local transit works, the hospitals close to your lodging and whether the nighttime situation changes. Read as many reviews as you can online about lodging and the places you want to visit.

2. Don’t get friendly too quickly

When you’re travelling all by yourself, it will be tempting to join the tribe of friendly fellow travellers. While some such connections can turn into valuable friendships, others can end up with you being conned. You should not trust anyone easily, and be alert and cautious while interacting with strangers.

Don’t trust someone you’ve just met with your bag that has your money and passport while you use the restroom. Don’t give away information about your lodging location or share your detailed itinerary.

3. Keep your valuables safe

Prepare a day bag to include all your important belongings - wallet, medications, passport and anything else you cannot imagine misplacing. Keep this bag with you at all times. Don’t check it into luggage at the airport, don’t leave it behind in your hotel room when you’re exploring the city and don’t let it out of your sight for even a minute.

4. Be ready for the worst

Don’t keep all your money in one place. Always keep an extra stash of money hidden away in a sock or some other inconspicuous area of your main luggage. Build a financial cushion to be safe in times of contingency.

In case your flight lands later than scheduled at night, have the money to take a taxi to your lodging rather than walking alone in an unknown neighbourhood. While travelling solo, you should prioritise investing in your safety.

5. Stay in touch

At least one person back home, whether it’s a friend or family member, should have your itinerary and schedule. Constantly check in with them and let them know about your whereabouts, so they have a general idea of where you’ll be at what time. Fix in advance a rough time and way of checking in, whether it’s through text, Skype or emails.

In spite of these safety tips, there are some inherent risks that come with solo travel due to the uncertain nature of life. However, most of them can be easily eliminated by getting travel insurance. Don’t plan your next trip without one!

Things to carry for safety while travelling alone

Being well-prepared with the right essentials can greatly enhance your safety while travelling solo. Here are some must-carry items:

• Copies of important documents: Keep photocopies of your passport, visa, travel insurance online confirmation and ID cards separately from the originals.
• Portable phone charger: A dead phone can be a serious safety risk. Always carry a power bank.
• Personal safety devices: Consider carrying a whistle, pepper spray (where legal) or a personal alarm.
• Basic medical kit: Include necessary medicines, band-aids, antiseptics and any specific prescriptions you may need.
• Cash in small amounts: Spread your cash across multiple places (wallet, bag, secret pouch) to avoid complete loss if robbed.
• Travel locks: Secure your luggage and hostel lockers with TSA-approved locks.
• Emergency contact list: Keep a printed list of emergency numbers in case your phone battery dies.

Role of travel insurance in solo travelling for women

When travelling solo, especially internationally, having a safety net like international travel insurance becomes even more important. Here's how it helps:

• Medical emergencies: If you fall ill or get injured, international travel insurance covers hospital expenses, doctor consultations and emergency evacuation if needed.
• Lost belongings: Losing your passport, wallet or luggage can be disastrous when travelling alone. Insurance helps you recover costs and even assists in the replacement process.
• Trip interruptions: Unplanned events like natural disasters or political unrest can derail your plans. Having travel insurance ensures you’re compensated for missed flights or bookings.
• Personal liability coverage: In case you accidentally cause damage or injure someone during your travels, insurance protects you financially.
• 24/7 support: Many travel insurance companies offer global helplines, ensuring that you have expert help available whenever you need it, wherever you are.

 

Conclusion

Solo travel for women can be a beautiful journey of independence and courage. By staying prepared, trusting your instincts and securing travel insurance online, you can explore the world with confidence. Remember, safety doesn't limit your adventure—it empowers it. Happy and safe travels!

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

Jungles where dreams are made of with blazing towers and mesmerizing city life, New York has ticked off almost every avenue of interest there is for a curious tourist. Here are ten things you must do if you happen to visit the city: 

1. Lounge around the greens 

You would remember Central Park in most of the Hollywood movies in an intense romantic scene. Right from bird watching to bike riding, you will find denizens of all age groups relaxing here. Visitor attractions include Central Park Zoo and Strawberry Fields. 

2. Shop on the Fifth Avenue 

As New York's preeminent shopping destination, this place has it all, from high-end designer labels to ritzier storefronts. It fits every budget, and each store has unique collections that you can avail without burning a hole in your pocket. South Hollywood, too, has great collections, especially if you are into boho-chic style. 

3. Trace the NYC skyline 

Every tourist guidebook swears by the 103-storey Empire State Building. Witness the breathtaking panoramic view of the city. The skyline looks even stunning in the evening. The building's floodlights radiate colours on many seasonal events and occasions like St. Patrick's Day, Independence Day, etc. 

4. Tap your feet to the sound of music on the Broadway 

The deep-rooted love for music and performing arts comes to life in the Broadway shows. Fifth Avenue has lined up theatres that screen the latest shows as well as the old classics. 

5. Get spooked in the Ripley's Believe It Or Not? 

Wander inside a world full of oddities in this museum. Not for the faint-hearted, the museum features interesting artifacts from around the globe, along with interactive exhibits like the laser maze and the spinning tunnel. 

6. Feast on New York's signature food items 

Take a bite from the Big Apple's famous dishes. Institutionalized by New York, this Italian food item should be on your must-have list, bagels, hot dogs and pastrami being the other few. If you have a sweet tooth, you would thoroughly savour the New York Cheesecake that now appears on the dessert menu list worldwide. 

7. Get artsy at The Metropolitan Museum of Art 

Locally known as 'The Met,' the museum contains about 2 million art pieces. Learn about medieval American arts and defence ammunition along with Egyptian arts, musical instruments and more. 

8. Set out for a day of fun at the Coney Island 

Enjoy action-packed roller coaster rides, stroll on the beach and fresh roster of eateries. 'The People's Playground,' has entertaining amusement rides and lavish seaside resorts making your experience memorable. 

9. Visit the St. Patrick's Cathedral 

New York's magnificent exemplar of Gothic Revival is located amidst the hurly burly of the Rockefeller Centre. Believers as well as those making an architectural pilgrimage admire this beautiful place of worship. 

10. Cruise along the New York City waters 

Spend your evening on a one-hour cruise in a water taxi. Watch the iconic landmarks like the Statue of Liberty, the Brooklyn Bridge, and lower Manhattan as you sail along the glistening waters of the city. 

Iconic landmarks in New York 

No trip to NYC is complete without ticking off some of its most iconic landmarks. Think Times Square, the Statue of Liberty, the Brooklyn Bridge, Grand Central Terminal and Rockefeller Centre. Many of these attractions offer skip-the-line access or guided tours, making your trip more seamless. 

To ensure your plans remain hassle-free, consider booking activities in advance and securing yourtravel insurance online, especially important when visiting high-traffic tourist destinations. 

Seasonal activities in New York 

Each season brings its charm to NYC: 

• Spring: Cherry blossoms in Central Park, sidewalk cafés and Easter parades. 
• Summer: Rooftop bars, outdoor concerts and festivals galore. 
• Fall: Stunning foliage in city parks and Halloween celebrations. 
• Winter: Ice skating at Rockefeller Centre, festive markets and New Year’s Eve in Times Square. 

Conclusion 

New York City is a destination that dazzles at every turn. From arts and architecture to food and fashion, there's something for every kind of traveller. Just remember, the key to a perfect trip lies in preparation. Booking yourtravel insurance online ensures you're protected from the unexpected, giving you the freedom to fully enjoy the magic of NYC, stress-free. Whether it is your first visit or a return adventure, the Big Apple is always ready to amaze. 

FAQs

1. Is travel insurance mandatory to visit New York? 

No, but it is highly recommended, especially for international travellers. 

2. Can I buy travel insurance online for a short trip? 

Yes, most providers allow you to buytravel insurance online within minutes for both short and long trips. 

3. What does single trip travel insurance for New York cover? 

A single trip travel insurance policy typically covers medical emergencies, lost baggage, trip cancellations and more during the specified trip duration. 

4. When is the best time to visit New York City? 

The spring season (from April to June) and the Fall (from September to November) are the best times to visit New York, when the weather is nice and there are fewer tourists in the city.  

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information. 

Travelling with grandparents adds a warm and meaningful touch to any trip. Their stories, wisdom and presence can make family holidays even more special. Bringing them along, however, comes with its own set of responsibilities. As people age, their needs and routines change, so thoughtful planning becomes essential. From choosing the right destination to ensuring their comfort and health, every detail counts.

This blog covers useful tips and important things to keep in mind when planning a journey with your grandparents.

Essential tips for travelling with grandparents

Here are a few simple tips to have an enjoyable and comfortable vacation with your grandparents.

1. Plan your accommodations

Book hotel accommodation in advance to avoid any last-minute hassles. Book the accommodation, keeping your grandparents’ convenience in mind. Many hotels provide special room service, medical assistance and wheelchair facilities for the elderly.

2. Make airline travel enjoyable

Airports can be extremely overwhelming for grandparents due to the check-in formalities and possible in-flight discomfort. Follow these simple tips at the airport:

• Take essential medicines in hand baggage, as they might need them during the flight.
• Request airlines to allot seats reserved for disabled travellers if your grandparents suffer from serious medical conditions or disabilities.
• Help them with the fastening of seatbelts during take-off and landing.
• Guide them during airport formalities like security checks and securing their boarding passes.

3. Choose your activities well

Plan activities that can be enjoyed by your grandparents. If your grandfather is a history buff, schedule a trip to a museum together. Avoid activities that require excessive physical effort. You may love a trip to a theme park with its thrilling rides, but your grandparents might not enjoy it as much.

4. Take care of their special needs

Senior citizens might get fatigued while travelling long distances. Arrange for assistance, like wheelchairs and electric vehicles that are available at airports to cater to their needs. If they suffer from any specific medical conditions, make sure to carry their medicines. Keep emergency first-aid and common medicines (for headaches, stomach upsets, etc.) handy. Carry adequate potable water while travelling.

5. Save yourself from financial shocks:

Despite all efforts, there is a substantial risk of senior citizens falling sick while travelling. Be prepared for any such incident and buy travel insurance beforehand. Travel insurance covers medical costs related to treatment at home and abroad.

Things to keep in mind when travelling with grandparents

Here are a few things to keep in mind when travelling with your grandparents:

• Respect their routine: Try not to disturb their sleep and meal schedule too much. It helps them stay energetic and feel at ease.
• Be patient: They may take more time walking or doing things. Give them your attention and support.
• Avoid overcrowded places: Too much noise or chaos can make them feel tired or uncomfortable.
• Use wheelchair assistance if needed: Airports and train stations often offer wheelchair services. Book in advance if required.
• Stay in touch: Make sure someone back home knows your travel plans. Share hotel details and keep communication open in case of emergencies.

Reasons to buy travel insurance for your grandparents

Here are a few reasons why travel insurance is important when travelling with grandparents:

• Medical emergencies: Seniors are more likely to need medical help while travelling. Insurance can cover hospital visits, medicines and emergency treatments.
• Trip cancellations: If the trip gets cancelled due to health issues or any emergency, insurance helps recover some or all of the cost.
• Lost baggage or documents: In case of lost luggage or important papers, travel insurance offers support and sometimes even replacements.
• Peace of mind: Knowing that your grandparents are covered in case something goes wrong can take a lot of stress off your shoulders.

Conclusion

Travelling with grandparents is a chance to create happy memories and share special moments. With careful planning, it can be an effortless experience for all involved. Always consider their comfort, pace and safety, and don’t forget to get travel insurance. It’s a small step that can make a big difference. It is especially important when travelling abroad. International travel insurance can make sure you are covered if anything goes wrong while travelling to an unknown place.

FAQs

1. Can older people travel by flight?

Yes, many older people travel by air. Just make sure they have medical clearance if needed and book wheelchair assistance for longer walks at airports.

2. Is travel insurance necessary for senior citizens?

Yes, it’s strongly recommended. It protects them (and you) from unexpected expenses during the trip.

3. What kind of destinations are best for grandparents?

Places with pleasant weather, good healthcare access and senior-friendly attractions are ideal. Beaches, quiet hill stations or cultural cities with slow-paced sightseeing work well.

4. What should I carry for my grandparents while travelling?

Bring their medicines, ID proof, travel insurance documents, comfortable clothes, snacks, water and anything else they use daily, like reading glasses or walking sticks.

5. How can I make the trip enjoyable for them?

Involve them in planning, choose relaxing activities and focus on spending quality time together without rushing.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

If you are planning to take your family on an international trip, then obtaining travel insurance is a must. With the thrill of travelling come many unexpected risks- from medical emergencies to trip cancellation. Family travel insurance steps in here to protect against unforeseen events that can disrupt your trip financially.

What is family travel insurance?

Family travel insurance is a single comprehensive insurance policy that provides financial protection to all family members travelling together. It covers the following events:

• Medical emergencies: Hospitalisation expenses for treating injuries, illnesses and urgent dental treatments, and medical evacuation.
• Personal liabilities: Legal cost for dealing with third-party injuries or damages to their properties
• Flight delay or cancellation: Reimbursement of essential expenses arising from flight disruption.
• Trip delay or cancellation: Refunds the non-refundable portion of hotel booking charges, transportation and other activities.
• Lost, delayed or damaged luggage: Reimbursement in case your luggage is misplaced, damaged or held up during transit.
• Emergency cash: Immediate cash allowance, if your wallet is lost or stolen

You can purchase travel insurance any time before your trip starts. Whether you are planning to travel abroad or within the country, there are suitable plans for every trip, structured to offer maximum benefits and provide complete protection to you and your family.

Why is family travel insurance important?

Family travel insurance is now an unavoidable necessity when planning trips with your loved ones. It serves as an essential safety net, easing the financial burden that comes with unexpected incidents during the trip and offering peace of mind knowing that you’re protected.

Key points to consider before buying family travel insurance

Here are a few important points that you should consider before buying a family travel insurance policy to ensure you choose the best possible plan for yourself:

1. Carefully examine the inclusions and exclusions of the coverage

Read through the policy details to know what events are covered and not under the family insurance plan. This way, you can avoid unpleasant surprises or rejected claims when you need assistance the most. Also, check if there are any limits on claim amounts or specific conditions associated with each benefit. Being fully aware of the policy terms ensures that you choose a plan that meets most of your family’s travel needs.

2. Decide whether you want a single-trip policy or an annual plan

There are different travel insurance plans available to suit the varying needs of the buyer. If you’re planning to visit a foreign country only once, you can choose a single trip insurance, whereas if you’re a frequent flyer, it is ideal for you to opt for an annual travel insurance plan that covers multiple trips. Also, there are exclusive plans specially crafted for various segments of travellers such as senior citizens, women, students, etc. The premium of your policy will be calculated on the type of policy and coverage you choose.

3. Identify the coverage type provided by the policy

Before finalising a deal, it makes sense to find out more details about the coverage type offered by your intended travel insurance policy. Determine whether you need a primary travel insurance plan or a secondary one. The former provides an out-and-out coverage with on-spot assistance whereas the latter has a provision for reimbursement. This means that you’ll be required to make all the payments in case of an emergency and claim the refund from your travel insurance provider later.

4. Know about the level of medical coverage in the policy

It is important that you understand how much medical coverage is provided by the policy and under what circumstances you can make a claim. If anyone in your family has a pre-existing medical condition, you’ll need to confirm whether it is included in the policy or not. You should also gain a clear idea of diseases covered under the travel insurance plan and how much you will be required to pay before the medical coverage kicks in.

5. Disclose the medical history of your family

If anyone in your family has a medical history in terms of a serious disease or if you consume alcohol or tobacco regularly, the premium of your travel insurance is likely to go up. However, it’s important to disclose all the pre-existing medical conditions of each family member to avoid any hassles when you seek a claim on foreign shores. The policy premium also depends on the age and number of family members as per the risk factors associated with them.

6. Carefully examine the inclusions and exclusions in your policy

It’s prudent to carefully check for the inclusions and exclusions in a travel insurance plan before choosing the one. Don’t fall for the cheapest travel insurance policy that you find on the web. Be very vigilant while examining all the terms and conditions of the policy and check if it imposes certain restrictions on specific destinations, activities, illnesses, etc. Choose the plan with the least exclusions or the one that is best suited to your requirements.

7. Check if the policy provides cancellation coverage

Things always don’t go according to plan, and there can be some unexpected circumstances that can lead you to cancel your trip. Travel health insurance can help you in such a scenario by reimbursing you for the lost funds from the cancellations of your flight tickets, hotel bookings, car hire, etc. However, to avail of this facility, you need to ensure that your travel insurance covers the trip cancellation charges while buying the policy.

Apart from these considerations, don’t forget to check if your travel insurer is registered with the Insurance Regulatory and Development Authority of India (IRDAI). Do your own research and compare various travel insurance plans before choosing the best plan that suits your needs.

Common mistakes to avoid when buying family travel insurance

When you are buying family travel insurance, pay attention not to make the following mistakes:

• Choosing inadequate coverage: Buying a family travel insurance plan with limited benefits, and not covering a range of risks, may leave you exposed to high out-of-pocket expenses during emergencies or trip disruptions.
• Not disclosing pre-existing medical conditions: If you conceal any pre-existing diseases during policy purchase, it will later lead to claim rejections if a related medical emergency occurs during the trip.
• Not reading the policy document clearly: If you fail to go through the fine print of the policy documents and understand the inclusions and exclusions before purchase, it may later lead to confusion or denied claims.
• Buying the cheapest plan: You may be tempted to buy a family travel insurance plan with the lowest premium. However, you should know that low-cost plans often compromise on coverage and benefits, which might not be sufficient for your travel needs.
• Buying the policy too late: It is ideal to buy an insurance plan days before your trip. While some insurers may offer post-departure travel insurance, it often comes with certain limitations and you will also miss coverage for events that occur before the journey starts, like trip cancellations or delays.

If you make any of these mistakes, it could lead to a claim denial, insufficient financial protection during emergencies or unexpected out-of-pocket expenses. This will compromise the purpose of having family travel insurance.

Benefits of buying family travel insurance online

There are several advantages to buying family international travel insurance online compared to the traditional offline method. These include:

• Convenience: You can use an insurance aggregator website and compare multiple policies side by side to find the ideal one. This can be done from the comfort of your home.
• Better deals: Online platforms often offer exclusive discounts and cashback. This way you can save on the insurance cost.
• Instant policy issuance: When you buy a family travel insurance online, the policy will be issued immediately without the hassle of paperwork.
• Easy renewals & claims: The website or the app of the insurer allows you to renew your policy and make claims within minutes. You can also access support tools, chatbots, and digital documentation with ease.

Conclusion

Family travel insurance is not just a formality to fulfill when travelling abroad, it’s a necessity to protect your loved ones. It covers a range of travel risks and ensures that you can enjoy your trip to the fullest with peace of mind and create wonderful memories. Buy an international travel insurance after careful research and policy comparison, so that it best suits your family’s travel needs. A little planning can save a lot of stress later.

FAQs

1. Is family travel insurance available for domestic trips?

Yes, many insurers offer domestic family travel plans that protect the insured against various trip disruptions like flight cancellations, delays, and medical emergencies.

2. How many members can be covered in a family travel insurance plan?

Typically, family travel insurance covers two adults and two children. However, this varies by insurer.

3. What documents should I submit to obtain family travel insurance?

To purchase a family travel plan, you have to submit identity proofs like Aadhaar, passport details, and travel itinerary.

4. Does international travel insurance cover pandemic-related issues?

Some insurances offer coverage for pandemics like COVID-19. However, you must check the terms and conditions of the policy before buying it.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.

The summer vacations are fast approaching, and your kids must be anxiously waiting to kick up some sand on a beach far away. After all, who wouldn’t like a break from the humdrum monotony of the daily grind? However, there is one major problem, i.e., bulging bags full of luggage, which can leave you with sore wrists. If you’re seeking some help for figuring your way around it, we have the solution you need for a happy vacation, full of fun and excitement. 

Why travel bag size matters 

Bulky luggage can cost you time, money and convenience. Airlines have strict size and weight restrictions and oversized baggage fees can quickly add up. Not to mention, lugging heavy bags around unfamiliar streets or public transport can be exhausting. 

That is where smart travel apps come in. They help you: 

• Replace physical items (like guidebooks, maps or planners) 
• Stay connected and informed 
• Travel with confidence while saving space 

With just your phone and a reliable internet connection, or even offline access, you can pack smarter and move lighter. 

Travel Apps are as helpful as everything in your suitcase, just that they take up less space 

Travel apps are the nifty marvels of technology that are extremely handy if you’re travelling anywhere around the globe. Here are a few of the best travel apps that should be there in your cell phone before you leave your home to explore the world. They can not only save you a lot of time and effort, but also make your baggage and worries lighter. 

1. Google Translate 

With the Google Translate app, you can skip buying the language books of foreign countries you’re travelling to. It will prove to be a relief in all those moments when you want to ask a stranger for directions to a restaurant or while trying to communicate with the cab driver or local vendors. 

It has 103 languages, 59 of which you can access even while offline. Not only does it have a ‘conversation mode’ that helps in instant two-way speech translation, but also the handwriting and camera modes. Hence, it’s one of the most useful apps that can help you to interact with the locals during your trip and say more than just ‘Konnichiwa’ in Japan or ‘Hola’ in Spain. 

2. Wi-Fi Map 

When you’re travelling abroad, there are a plethora of expenses that are unaccounted for, and phone bills are one of them. A major chunk of your phone bills while abroad may consist of internet data usage and it’s obvious, with all the social media updates and Google maps usage. However, with the ‘Wi-Fi Map’ app, you can reduce your phone bills without curbing your internet usage. 

This app lets you scan your surroundings and informs you about the nearest wireless connection. It also includes any passwords that you may need, and covers over 10,00,00,000 hotspots across the globe. 

3. Triposo 

No one can make your experience in a new city like it’s your home than this travel app called ‘Triposo’. It gathers crowd-sourced information from various websites and converts it into a concise travel guide that you can use even when you’re offline. 

From hotels and restaurants to sightseeing and activities, Triposo can offer you some of the best recommendations. Apart from providing important information about the popular tourist spots, it will also help you discover the hidden gems of the place. 

4. XE Currency 

Indulging in mental mathematics to calculate everything, right from coffee to shopping, is the last thing you would want to do on your trip. Neither should you trust the third party completely, only to be cheated by them. A travel app called ‘XE Currency’ can help you deal with such situations efficiently. 

With this app, you can monitor up to 10 currencies of your choice and get instant rate alerts. Its easy-to-use calculator functionality and customisation features will enable you to conduct transactions in foreign territories as confidently as you do it in your own country. Tripit 

The ‘Tripit’ app will help you manage your travel itinerary by alerting you with real-time flight status, signing for the extra baggage, when to check in your hotel, and even telling you the time to leave for the airport. All you need to do is upload the booking confirmations of your flights, hotel stays, car rentals, and other reservations in the app, and it’ll create a master itinerary for you. 

You can access this important information even when you’re offline and view your entire itinerary on an interactive map. Additionally, you can also search for nearby ATMs, restaurants, and alternative transportation options during the vacation. 

Additional tips for smart packing 

Along with using travel apps, here are a few tips to make packing lighter and smarter: 

• Roll clothes instead of folding to save space 
• Pack multipurpose clothing items 
• Use packing cubes for better organisation 
• Carry travel-sized toiletries 
• Always pack a digital copy of your travel insurance documents 
• Leave space for souvenirs or unexpected buys 

And remember, a well-packed phone with the right apps is worth more than extra outfits. 

Conclusion

The above list of travel apps can make you well-equipped for your next travel adventure. While it’s important to have these apps ready on your smartphone to ensure comfort and convenience during the vacation, it’s prudent to pack a travel insurance plan to tackle any unforeseen situations during the trip. From medical emergencies to loss of baggage and passports, it takes care of all the travel contingencies that may ruin your entire vacation otherwise. 

FAQs

1. Do I need both travel apps and physical documents? 

Travel apps can replace many documents, but it is wise to carry backup copies of essentials like passports andtravel insurance. 

2. Are these apps free? 

Most of these apps offer free versions, but some have premium features or in-app purchases for added functionality.

3. Is it safe to use public Wi-Fi with these apps? 

Use apps like Wi-Fi Map cautiously. Consider a VPN to protect your data while abroad. 

4. How do I choose the right travel insurance plan? 

Compare plans based on destination, duration and type of coverage. Many international travel insurance policies also offer app-based claim tracking.

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information. 

We all love to travel, it is about exploring new places and creating lovely memories. But what happens if things do not go as planned? It is necessary to realise that accidents can happen anytime, and it always helps to be covered by a good travel insurance policy. Still, many travellers dismiss the thought of buying travel insurance, citing it as an unnecessary expense. It not only covers you against unforeseen events but also offers peace of mind to make your travel experience pleasant. 

What is travel insurance? 

Travel Insurance is a good way to save unwanted expenditures in case of health emergencies and to secure yourself against theft, flight delays, trip interruptions, etc. The Insurance Regulatory and Development Authority of India (IRDAI) defines travel insurance as “Travel Insurance protects you and/or family against travel-related accidents, unexpected medical expenditure during travel, losses such as baggage loss, loss of passport, etc., and interruption or delays in flights or delayed arrival of baggage etc.” 

What is the importance of having a travel insurance? 

Whether you travel abroad for business or leisure, unfortunate events such as baggage loss, passport loss, medical emergency or accident can affect your itinerary, causing financial distress and unnecessary expenditures. International travel insurance protects you from such perils by ensuring that you are not left stranded in any emergency. 

Benefits of travel insurance 

The benefits of having travel insurance go far beyond medical coverage. Here are some key advantages: 

• Medical emergency assistance, including hospitalisation, treatment and even evacuation. 

• Trip Cancellation or Interruption: Reimbursement for non-refundable expenses if your trip is cancelled or cut short. 

• Baggage loss or delay compensation. 

• Flight delay coverage that helps you manage unforeseen scheduling changes. 

• Emergency assistance services are available 24/7 in multiple languages 

What does a travel insurance offer? 

Travel Insurance protects you against all perils on a foreign land and offer several benefits including: 

• Coverage against loss of luggage 

• Political risk and catastrophe evacuation 

• Trip cancellation and interruption reimbursement 

• Safeguards your family in case of an unfortunate event 

• Provides access to high-quality medical care whenever needed. 

Types of travel insurance 

There are several types of travel insurance plans tailored to your travel style and frequency: 

• Single trip travel insurance: Ideal for a one-time vacation or business trip. It provides coverage for the duration of a single journey. 

• Multi-trip travel insurance: Best suited for frequent flyers, offering protection for multiple trips within a year. 

• Student travel insurance: Special plans for students studying abroad, including tuition fee protection. 

• Senior citizen travel insurance: Tailored for older travellers with pre-existing medical conditions. 

• Family travel insurance: A cost-effective way to insure the entire family under one plan. 

Steps to choose the right travel insurance 

When buying travel insurance, you must consider three foremost factors, which include the destination country, your travelling needs and the list of exclusions. Besides, other factors like insurer’s credibility, claim settlement ratio, sum insured, stay duration, affordability, purpose of visit and network hospitals are equally important. Also, make sure to read the policy documents carefully before buying the policy. 

Things to Look Out for 

• Make sure the country or areas you are visiting are covered under your policy 

• Ask the company representative about all the reimbursement details 

• Reveal any pre-existing medical conditions early on to avoid conflicts during claim settlement 

• Understand the procedure and limits of your insurance claim beforehand 

• Carefully examine the list of exclusions for the plan you choose.

Conclusion

In case you meet with an accident or seek medical attention, immediately inform your insurer to avoid conflict later on. Make sure you keep a digital copy of the policy documents, as it comes in useful in case you lose original policy documents. Whether you're going on a one-time international vacation or a business trip,single trip travel insurance gives you focused, cost-effective protection. Invest in the best travel insurance tailored to your journey and experience the world with confidence.

FAQs

1. Is travel insurance mandatory? 

While not always mandatory, many countries require proof of insurance for visa applications. 

2. What is the difference between single trip and annual multi-trip insurance? 

Single trip travel insurance is one of the best travel insurance options, for one journey, while multi-trip insurance is valid for several trips within a year. 

3. Does travel insurance cover COVID-19? 

Most policies offer COVID-19 coverage, including medical treatment and trip cancellations, but confirm with your insurer. 

4. Can I buy travel insurance after booking my flight? 

Yes, but it's best to purchase it as soon as you book to avail of cancellation benefits. 

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Disclaimer: The information provided in this blog is for educational and informational purposes only. It may contain outdated data and information regarding the topic featured in the article. It is advised to verify the currency and relevance of the data and information before taking any major steps. ICICI Lombard is not liable for any inaccuracies or consequences resulting from the use of this outdated information.