How many times can we extend the policy?
You can extend your travel insurance policy as many times as you want. However, you can extend your policy only if the total policy is less than or equal to 360 days.
How can I cancel my travel insurance policy?
To initiate the cancellation process, you need to submit the travel insurance policy document, copy of passport, and some more documents.
Do I get a grace period for my travel insurance policy?
Yes, you can get a grace period on your travel insurance policy. To do so, contact our representatives or write us at customersupport@icicilombard.com.
Can I buy travel insurance after leaving the country?
No, you cannot purchase travel insurance once you have started your trip. The policy's purchase date, as well as the policy's commencement date, must be before the start of your journey.
What is the validity period of travel insurance?
The validity of your travel insurance depends on your trip duration. It usually starts from your date of departure and ends when you return. For more details, read the policy documents.
What happens if my travel insurance expires?
You will no longer be covered for different travel and medical-related contingencies, including trip cancellation, loss/delay of checked-in baggage and medical emergencies, once your travel insurance expires. You should always ensure that your travel insurance covers the entire duration of your trip abroad.
What is accidental death coverage in travel insurance?
Accidental death coverage offers a lump sum amount in the unfortunate event of your (insured’s) death or disablement while mounting, dismounting or travelling in a common carrier/public carrier.
Do I need to buy travel insurance for short trips as well?
Yes. It is always good to be insured against the unpredictable - like lost passport/baggage or medical emergency. Travel insurance will help you tackle such situations with ease.
Is travel insurance mandatory for everyone?
Travel insurance is mandatory when you want to visit certain countries (like Schengen countries). However, it is highly recommended to have travel insurance to secure yourself against travel-related risks.
Will my travel insurance cover any pre-existing disease?
Our TripSecure+ travel insurance provides coverage for pre-existing conditions via the Pre-existing disease add-on cover.
How much GST do I have to pay on travel insurance premium?
If you are buying an individual or family travel insurance policy, you don’t have to pay any GST on the premium. Earlier, 18% Goods and Services Tax (GST) was applicable but that has been removed from 22nd September 2025 by the GST Council of India.
Do I have to apply or opt in to get the GST exemption?
No, 0% GST is applied automatically when you buy a single-trip or multi-trip travel insurance policy.
Does the GST exemption affect my coverage?
No, it doesn’t affect your insurance coverage. The removal of the Goods and Services Tax (GST) only reduces tax paid on the premium. So, you only pay the base premium amount and no additional taxes.
Is GST exemption applicable on all types of travel insurance?
The GST exemption is applicable to retail travel insurance policy (individual and family travel policy) – single-trip travel insurance and multi-trip travel insurance.