Which travel health insurance is best?

The best travel health insurance is the one that fits your needs within your budget. Compare different plans and find out their inclusions and exclusions before buying.

Do I need to undergo any medical examination before buying travel health insurance?

It depends on the policy and the insurer. You may or may not need to undergo a medical examination before buying the policy.

Are pre-existing diseases covered in travel health insurance?

Pre-existing diseases are not covered by travel health insurance. If you’ve any pre-existing ailment, disclose it while buying the policy. However, you can cover them with a pre-existence disease cover add-on.

How much does travel health insurance cost?

The cost of travel health insurance depends on several factors including your age, sum insured availed, travel purpose, etc.

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What is International Flight Insurance?

Flights rarely go exactly as planned. Delays, cancellations, or missing baggage can quickly turn a smooth trip into a stressful one. That’s where international flight insurance helps. It is a type of travel insurance coverage for common flight-related disruptions during your journey. This includes situations like delayed or lost baggage, missed connecting flights, or last-minute cancellations. Instead of managing these expenses on your own, your insurance steps in to support you. Whether you are travelling for work or a holiday, this cover helps you stay prepared for the unexpected. So even if plans change, your trip does not come to a halt.

Features of Travel Insurance for Flights

Flight insurance focuses on the moments that can disrupt your journey. Here’s how it supports you:

Baggage and Personal Effects Cover

If your airline loses your checked-in baggage or delays it beyond a specified time, you receive compensation as per policy terms. This helps you manage essentials without added stress.

Flight Cancellation Cover

If your flight is cancelled due to covered conditions, you are compensated for the loss. This ensures that sudden changes do not lead to unexpected expenses.

Customisation with Add-Ons

You can enhance your coverage with add-ons based on your travel needs. This may include protection for electronic items or sports equipment, so your valuable belongings are also covered.

Why International Flight Insurance Matters?

When you are travelling internationally, even small disruptions can lead to bigger challenges. Having the right cover helps you stay one step ahead.

1

Coverage for Lost or Delayed Baggage

If your luggage does not arrive on time or goes missing, it can affect your plans. Flight insurance helps you manage the situation with financial support, so your trip continues smoothly.

2

Protection Against Cancellations

Travel plans can change at the last moment. With flight insurance, you are covered for cancellations under policy terms, helping you avoid financial loss.

3

Support During Delays

Flight delays can lead to extra expenses like meals or accommodation. Your policy helps cover these costs, so you are not left paying out of pocket.

4

Missed Connecting Flights

A delay in one flight can disrupt your entire itinerary. If you miss a connecting flight due to such delays, insurance helps you recover the costs and continue your journey.

Inclusions and Exclusions Under Flight Travel Insurance

Knowing what your flight insurance India covers, and what it does not, saves you from surprises at the most stressful time.

Inclusions
Exclusions

Here is what is covered:

Loss of checked-in baggage
Delay of checked-in baggage beyond the specified time
Missed connecting flights due to a delayed incoming flight
Flight cancellation 12 hours before the scheduled departure

And here is what is not:

Events that happen before your trip starts or after it ends
Conditions like anxiety, stress, depression, or venereal diseases
Losses caused by war, rebellion, riots, or government actions
Damage from nuclear radiation or contamination

Read your policy document before you travel. Knowing the exclusions is just as important as knowing the inclusions.

Benefits of Buying Travel Insurance

A lot of people buy travel insurance thinking it is only for emergencies. It does more than that.

1

Medical Expenses

If you are hospitalised abroad due to illness or injury, the bills can add up fast. Travel insurance steps in, so you are not paying out of pocket in a foreign country.

2

Lost or Delayed Baggage

Your checked-in bags did not make it. Travel insurance covers the loss or delay, so your trip does not have to stop because your luggage did.

3

Hotel Extension

Stranded due to an unexpected event beyond your control? If you need to extend your hotel stay, your policy can reimburse those extra lodging costs.

4

Compassionate Visit

If you are hospitalised abroad for a prolonged period, travel insurance can cover the travel expenses of an immediate family member coming to be with you.

5

Peace of Mind

This one is less tangible but just as real. Knowing you have cover means you can focus on the trip, not the what-ifs.

How to Buy Travel Insurance Online?

Buying travel insurance online is pretty simple and only takes a few minutes. You can compare plans, choose the coverage that matches your trip, and get your policy instantly without dealing with paperwork. Here’s how the process works:

Visit the insurer’s homepage and click on ‘Travel Insurance.’
Choose between a single-trip plan or a multi-trip plan, depending on how often you travel.
Select your travel geography and destination country.
Enter your departure and return dates.
Click on ‘Continue.’
Follow the on-screen instructions, fill in your details, review your coverage, and pay the premium online securely.

Once your payment is completed, your policy is issued digitally, so you can download it immediately and keep a copy on your phone or email for easy access during your trip.

What Is the Claim Process Under International Flight Insurance?

If you ever run into a travel hiccup abroad, like lost baggage or a delayed flight, you can raise a claim without getting stuck in a complicated process. The main thing is to inform the insurer as soon as possible and keep your documents handy. Here’s how you can do it:

Reach out to the claims team on the toll-free numbers:
- USA & Canada: +1 884 071 1200
- Rest of the World: +91 124 4498778
Fill out the claims form and upload the supporting documents.
While submitting the claim, share your policy details, travel documents, bills, invoices, and any reports related to the incident.
Make sure your invoices clearly mention the section under which you’re filing the claim, whether it’s baggage loss, trip delay, or something else.
Once the team receives your documents, they’ll review and assess the claim as per the policy terms and conditions.
If everything checks out, the approved claim amount will be settled subject to policy conditions and approval.

A small tip: Keeping digital copies of receipts, boarding passes, and invoices on your phone can save you a lot of stress later if you ever need to file a claim while travelling.

Travel insurance blog articles

Schengen Visa Extension Requirements: Complete Guide

This article explains when a Schengen visa extension may be granted, the valid reasons accepted by authorities, required documents, application steps and timelines. It also highlights the importance of maintaining valid travel insurance coverage throughout the extended period of stay.

22 Jul 2026

Electronic Travel Authorisation (ETA): Complete Guide

This article explains the Electronic Travel Authorisation system, how it differs from a visa, countries that use it, and the application process. It also highlights the role of travel insurance in covering unexpected situations such as medical emergencies, delays, and baggage issues.

17 Jul 2026

Transportation in Vietnam: Best Ways to Get Around for Tourists

This article explains transportation options across Vietnam, including domestic flights, trains, sleeper buses, taxis, ride-hailing services, and local transport. It also provides practical travel tips, factors to consider when choosing transport, and the role of travel insurance during domestic travel.

21 Jul 2026

FAQs on International Flight Insurance

How much does flight cancellation insurance cost?

The cost usually depends on your trip price, destination, age, trip duration, and coverage amount. In most cases, it’s a small percentage of your total trip cost.

Can you get flight insurance after booking a flight?

Yes, absolutely. You can usually buy flight insurance even after booking your tickets, but it’s best to get it as early as possible to access maximum coverage benefits.

Can you get insurance for flights only?

Yes, you can. Flight-only insurance typically covers things like trip cancellation, delays, missed connections, or lost baggage without including full travel insurance benefits.

Is it necessary to take flight insurance?

It’s not mandatory in every case, but it can seriously help if your trip gets disrupted unexpectedly. It’s especially useful for international travel, expensive bookings, or trips with multiple connections.

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International Flight Insurance