Updated on - 30 Dec 2025
Planning a family holiday is exciting, with the thrill of exploring new places, sharing laughter over meals and creating memories that last a lifetime. But amid all the packing, sightseeing and photo-taking, the last thing you want is to be caught off guard by unexpected mishaps, such as sudden illness, a minor accident or lost luggage. Family travel insurance policy provides a safety net, helping you enjoy your trip without worrying about what ifs and giving peace of mind in emergencies.
How to purchase family travel insurance online
Purchasing family travel insurance online is easy and requires just a basic understanding. Here are the main steps:
- Compare plans: To pick a plan that meets your needs and budget, compare the coverage limitations, deductibles and premiums of several policies accessible online.
- Read the fine print: Always go over the fine print before purchasing a family travel insurance package. This will make it easier for you to understand what the plan does and does not cover.
- Provide your details: You need to provide your personal information, including your name(s), travel destinations and dates as well as the details of all the family members travelling with you and phone number.
- Pay the Premium: After carefully reading the details and choosing your travel insurance plan, you can use your credit/debit card to pay the premium online.
Things to check before buying travel insurance
With many travel insurance options available online, it’s important to choose a policy that meets your most important needs. Ensure your policy covers essential healthcare expenses, including medical consultations and emergency treatment, so you and your family can travel with confidence.
Things to look out for:
- Coverage limits: This is the maximum amount your insurer will reimburse. Always choose a plan with an adequate coverage limit that matches your potential expenditure.
- The deductible: The deductible is the amount you pay before the insurance company starts paying for a covered claim. A higher deductible would result in a higher out-of-pocket payment from your end. So choose a plan carefully.
- The premium: You will be required to pay a premium to enroll in an insurance plan. It’s crucial to pick a plan with a premium you can manage financially without unnecessary hassles.
- Cancellation policy: Read and understand the cancellation policy of the travel insurance plan you are planning to buy.
- Claim process: Knowing the claim process before you buy a travel insurance plan will help you if the need to file a claim arises.
Documents required for purchasing family travel insurance online
Having the right documents ready can make buying family travel insurance online faster and seamless. Most insurers allow you to complete the purchase digitally once your documents are processed and verified.
You’ll need valid identity proof for all insured members, such as a passport, Aadhaar card or voter ID. Travel details including destination, duration and purpose of the trip (holiday, business or study) are also required to customise your policy. For international travel, passport numbers and visa details may be needed to verify eligibility.
If you’re travelling with dependents, age proofs or date of birth details may be required. Some insurers may also ask for basic medical information or a health declaration, especially for senior members. Keeping these documents accessible ensures a smooth, paperless experience and allows you to receive your policy instantly via email.
Tips for a smooth online travel insurance purchase process
Start by comparing plans carefully. Check coverage benefits, policy limits and exclusions to ensure the plan meets your travel needs. Whether you’re buying individual or family travel insurance, a quick comparison helps you choose the best option.
Cross-check that your personal and travel details are accurate. Errors in names, birthdays, passport numbers or travel dates can delay approval or cause claim issues later. Keep scanned copies of passports and IDs handy to speed up the process.
Use a secure internet connection when buying insurance online. Avoid public Wi-Fi while entering sensitive information such as payment details. Review your premium and payment method before confirming the purchase.
Finally, download or email a copy of your policy immediately. Having offline access allows you to present proof of insurance during travel or emergencies, ensuring a hassle-free trip.
Conclusion
Travel insurance is more than just a formality; it’s a safety net that protects your family from unexpected emergencies and ensures peace of mind throughout your trip. When purchasing online, take the time to verify your details, choose a trusted insurer and stay alert for scams. With the right coverage in place, you can focus on enjoying your holiday, confident that you and your loved ones are protected.
For personalised guidance on selecting the best family travel insurance, fill out the form on this page and get advice tailored to your needs.
FAQs
1. Can one modify their travel insurance policy after purchase online?
Yes, most insurers allow changes to travel dates, destinations or adding family members after purchase, provided the trip hasn’t started. You should always check the insurer’s terms and any additional premium or fees before making modifications.
2. Are pre-existing medical conditions covered in online travel insurance?
Coverage for pre-existing conditions depends on the plan. Selected policies offer partial or full coverage if disclosed during purchase, while others exclude them. Read the policy document carefully to understand the limits and requirements.
3. How does one file a claim if an emergency occurs abroad?
Most travel insurance providers have 24/7 claim support. Keep your policy details, receipts, important documents and medical reports handy. Contact the insurer immediately via their hotline or app, follow their instructions and submit documents properly for a smooth claim processing.
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.