Travel Insurance

Travel insurance provides coverage for hospitalisation expenses, emergency dental treatment, medical evacuation and repatriation based on policy terms and conditions.

Some of the commonly overlooked risks include baggage delays/loss, trip interruption, missed/cancelled flights, etc.

Yes, because travel insurance covers a range of medical and trip-related contingencies, which can happen even during short international trips.

Yes, you just need to list all the destinations you plan to visit while buying your travel insurance policy. This ensures you’ll be covered for your entire multi-country trip.

Travel insurance provides coverage for sudden medical expenses and travel-related losses, thereby ensuring you can travel worry-free. Besides, many countries have made travel insurance a mandatory requirement for their visa process.

Yes, travel insurance also offers coverage for common carrier delay, damage to baggage during transit, passport loss, personal accidents and more.

While it’s best to buy travel insurance as early as possible, you typically need to purchase it at least 1–2 days before your departure for the policy to be valid.

Yes, you can purchase a travel insurance policy for parents travelling independently. Just ensure to provide all the details accurately.

Yes, you can modify your travel dates after the policy purchase. You can also extend your travel policy, subject to payment of additional premium and underwriting rules.

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.

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.

If your travel insurance policy expires while you’re still on your international trip, then you will no longer be covered for different travel and medical-related contingencies. That’s why it is important to ensure that your travel insurance covers the entire duration of your trip abroad.

You can easily cancel your travel insurance before your trip start date. Just get in touch with us via our toll free number 1800 2666, email ID customersupport@icicilombard.com or the IL TakeCare App.

Yes, if you opt for Outpatient Treatment for Illness and Injury Add-on. This add-on cover is available under our TripSecure+ travel insurance policy.

Yes, travel insurance also covers emergency treatments undertaken at non-network hospitals abroad.

Yes, but only if the insured member has opted for the Electronic Equipment Loss add-on. The coverage offered is subject to policy terms and conditions.

No, adventure activities are only covered under the Adventure Sports add-on.

Yes, travel insurance covers common carrier delays and missed connections subject to policy terms and conditions.

Yes, our travel insurance covers emergency dental treatment for sudden acute pain.

Yes, travel insurance offers a fixed allowance when your checked-in baggage is delayed by the airline by more than six consecutive hours.

Yes, if the ambulance services are medically necessary and within policy limits.

Our TripSecure+ travel insurance provides coverage for pre-existing conditions via the Pre-existing disease add-on cover.

Under this cover, a lump sum amount is paid if the insured dies or becomes disabled while getting on, off, or traveling in a public/common carrier during the policy period.

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.

Travel insurance premium depends on the current medical costs and risk exposure in the selected travel destination.

Age is one of the primary factors that affects travel insurance premium. Old age is associated with higher medical risk and therefore, it attracts a higher premium.

Yes, longer trip duration can increase premium proportionately.

Yes, since add-ons are subject to payment of additional premium.

The GST exemption is applicable to retail travel insurance policy (individual and family travel policy) – single-trip travel insurance and multi-trip travel insurance.

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.

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.

No, 0% GST is applied automatically when you buy a single-trip or multi-trip travel insurance policy.

Immediately inform your insurer and 24x7 international assistance provider in case of emergencies abroad.

Some common mistakes for claim rejection include non-disclosure of important details, incomplete documents, or claims outside policy period.

Yes, you can easily raise claims online via our website or our IL TakeCare App.

You need to submit your bank details, flight tickets/boarding pass and PIR for baggage delay-related claims. Meanwhile, for baggage loss-related claims, you just need to submit your bank details and FIR/policy complaint copy.

Yes, you can file multiple valid claims under a single travel insurance policy as long as each claim falls within the policy’s coverage terms and limits.

Insurers need to inform about your travel insurance claim acceptance or rejection within 7 days of receiving your claim submission.

You will have to bear the medical treatment expenses that goes beyond the sum insured.

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.

Yes, policy extension is available for all travel insurance policies.

Policy extension requires a Good Health Declaration.