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Travel Insurance

Travelling is exciting. Exploring new landscapes, learning about different cultures, and creating lasting memories make for an enriching experience. It is a great way to step out of your daily routine and experience something new with your loved ones.

But unexpected events such as trip cancellation, medical emergencies, lost or stolen luggage, etc. can leave you in a stressful situation. More importantly, it can lead to higher expenses than what you had planned.

Therefore, before you start planning your next vacation, you must be prepared for such situations to ensure a safe and enjoyable experience.

This is where travel insurance comes into the picture. It ensures that you are safe in case something goes wrong and makes it easier to manage unexpected expenses. If you want a stress-free travel experience and to make the most of your trip with your loved ones, you must buy travel insurance.

What is Travel Insurance?

When travelling to a new city, certain unexpected events can cause you stress and lead to financial losses. For example, medical emergencies, trip cancellations, lost luggage, etc. These situations can be inconvenient and leave you with a bad experience.

Travel insurance protects you in these events. It is an insurance plan that guards you against financial losses that can occur due to unexpected events on your trip.

It typically includes a variety of coverage options, such as trip cancellation and interruption coverage, medical coverage, luggage coverage, and more. It's an affordable way to protect yourself and your investment in your trip and enjoy your vacation with your loved ones.

Why Do I Need Travel Insurance

There are many reasons why you must buy travel insurance. Some of these include:

Protects against trip cancellation

Unexpected events such as a severe illness or the death of a loved one can force you to cancel or cut short your trip, leaving you with non-refundable expenses. Travel insurance can reimburse you for these costs.

Medical coverage

Medical treatments can be very expensive, especially if you become ill or injured while travelling abroad. Travel insurance can provide financial assistance for medical expenses, including emergency medical evacuation if necessary.

Lost or stolen luggage

Losing your luggage can be a major inconvenience, and the cost of replacing your belongings can add up quickly. Travel insurance can reimburse you for the cost of lost or stolen luggage.

Accidents and accidental death

Accidents or death can happen at any time, and travel insurance can provide coverage for accidental death or dismemberment, which can provide financial assistance to your family in case of your death or injury.

Trip delays

Delays due to bad weather or other reasons can disrupt your travel plans and cause additional expenses. Travel insurance can reimburse you for these costs.

Features of Travel Insurance in India

Travel insurance in India comes with a ton of features. These include-

Coverage for unexpected events

When you are planning a vacation with your family, the last thing you want is to have something unexpected disrupt your plans. This not only wastes your time but also causes stress and leads to hefty expenses. Travel insurance covers a wide range of unexpected events, including trip cancellations, medical emergencies, lost or stolen luggage, and more to ensure you can enjoy your trip in peace.

24/7 emergency assistance

Emergencies are, of course, unexpected. They can throw you off and leave you hanging for help. Travel insurance policies include 24/7 emergency assistance, which can provide help and support in case of an emergency while you're travelling.

Global coverage

There is nothing worse than ending up in an uncomfortable situation in a foreign land. You might not know the local language or whom to contact for help. Many travel insurance policies in India provide coverage for international travel, so you can have peace of mind knowing that you're protected no matter where you go.

Affordable pricing

If you think travel insurance is expensive, think again. Travel insurance in India is generally affordable, making it accessible to a wide range of travellers. Moreover, it makes it very convenient to manage hefty medical bills or non-refundable losses.

Easy claims process

Travel insurance policies have a simple claims process. This makes it easy and convenient to get the financial assistance you need in case of an unexpected event.

Customizable coverage

Some travel insurance policies in India allow you to customize your coverage based on your specific needs, budget and the duration of travel. This is an excellent option if you need more control over your plan and do not want to pay for certain coverage.

Coverage for adventure and sports activities

Some policies also offer coverage for adventure and sports activities, such as hiking, scuba diving, and more. So if your trip includes some fun activities, travel insurance ensures you have a safe experience.

Online purchase and renewal

Lastly, you do not need to visit a physical branch to buy travel insurance. Most travel insurance providers in India offer online facilities to purchase and renew travel insurance, making it easier and more convenient for travellers.

Why Choose Future Generali Travel Insurance

Buying travel insurance before a trip is important. Buying it from a reliable provider is even more important. Here's why Future Generali is your ideal option when it comes to travel insurance-

Worldwide Service Provider

Have you been eyeing that international trip for a while? With Future Generali's travel insurance, you can plan your trip without any stress. We provide complete overseas protection with 24/7 toll-free assistance no matter where you are in the world.

Comprehensive Coverage

Imagine arriving in a new city only to realize your luggage is lost or you've fallen sick. With our comprehensive travel insurance coverage, you manage unexpected situations without any stress. We provide coverage for medical expenses, baggage delay/loss, loss of passport, and more.

Worldwide Assistance

No matter which part of the world you are exploring, we are always available to assist you with all medical and travel assistance services.

Claim Settlements

You don't have to run back and forth to settle your claim with us. We provide easy and cashless claim settlements so you can manage travel emergencies without additional financial losses.

Types of Travel Insurance in India

Travel insurance providers in India offer different types of plans. These include-

Domestic Travel Insurance

Domestic travel insurance provides financial protection and peace of mind for travellers within the country, ensuring that they can enjoy their trip without worrying about unexpected events. They protect you against a wide range of unexpected events, such as trip cancellations, medical emergencies, and lost or stolen luggage. Moreover, domestic insurance is more affordable than international travel insurance and does not require a visa.

International Travel Insurance

This plan is ideal if you're going on an international vacation or business trip. It provides similar coverage to domestic travel insurance and gives peace of mind to individuals travelling outside of India. Some countries also require travel insurance as a mandatory document for visa application.

Single and Multi-trip Travel Insurance

Single trip insurance is valid for just one tip and covers all medical and non-medical expenses. Whereas, a multi-trip plan provides coverage for an extended period and is valid for all the trips you take during this period. If you are a frequent flyer, then a multi-trip plan is the best for you.

Senior Citizen Travel Insurance

As the name suggests, this plan is exclusively for senior citizens (over 60 years of age). But besides the usual coverage, the senior citizen travel insurance also offers additional benefits like cashless hospitalization, dental treatments/procedures, etc.

Medical Travel Insurance

Medical emergencies can come unannounced. But they can be even more inconvenient when you are in a new city. Medical travel insurance exclusively covers medical expenses that may occur during your trip. Some policies also provide coverage for COVID-19 medical expenses, quarantine costs, and trip cancellation or interruption due to COVID-19. This ensures that you can get the medical treatment you need wherever you are without worrying about the cost.

Group Travel Insurance

When you are travelling in a group for a vacation or a business conclave, buying individual travel insurance for all members can significantly increase the premium. This is where group travel insurance comes in. It lowers the insurance premium without compromising the safety of members.

What is Covered in Future Generali's Travel Insurance Policy?

Your travel insurance coverage will depend on the plan you select. However, some common coverage includes-

INCLUSIONS

Medical Care

Sickness medical expenses'
Accident medical expenses
Emergency medical evacuation
Repatriation of remains
Daily hospital allowances
Emergency sickness dental relief

Travel Inconvenience

Hijack benefit
Trip cancellation
Trip curtailment
Loss of passport
Missed connection
Trip delay

Personal Care

Baggage loss
Compassionate visit
Financial emergency
Baggage delay

Personal Accident

Accidental death and permanent total disablement
Accidental death on a common carrier
Accidental death (air travel only)

What is Not Covered?

The policy does not cover-

EXCLUSIONS

Pre-existing diseases
Unexpected events occurring before your trip begins
Travelling against the advice of a medical practitioner
Participating in naval, military, or air force operations
Injury/disease caused by nuclear weapons/materials
Travelling to countries with special travel restrictions
Self-inflicted injury or illness
Medical and nervous disorders
Sexually transmitted diseases, AIDS, and HIV
Being under the influence of drugs, alcohol, or other intoxicants

Overseas Travel Insurance Coverage for Coronavirus (COVID-19)

The travel and tourism industry was the most affected by the pandemic. But with things getting back to normal, travels are resuming.

While the pandemic may be behind us, we must not forget that it is not completely over. This is why it is wise to buy travel insurance coverage for Coronavirus before you embark on your next trip. Moreover, many countries have made COVID insurance mandatory for VISA approval.

But why is travel insurance coverage for coronavirus so important?

For starters, it offers financial protection if you need to cancel or interrupt your trip due to COVID-19. With standard travel insurance policies not covering pandemics, it can be difficult to recoup the costs of your trip if you have to cancel or interrupt it.

Travel insurance coverage for coronavirus also provides coverage for emergency medical expenses if you catch the virus while travelling. This is especially important if you're travelling to a destination where medical care may not be readily available or may be more expensive than in India.

Moreover, it covers expenses such as quarantine costs, testing fees, and transportation costs if you need to return home early due to a COVID-19 diagnosis. It also provides coverage for trip interruption, which includes additional travel and accommodation expenses if you are unable to complete your trip due to COVID-19.

Travel insurance coverage for coronavirus is crucial because it offers peace of mind and financial protection if your trip is impacted by the pandemic. With the uncertainty and evolving situation of COVID-19, having travel insurance coverage for coronavirus can provide you with a sense of security.

Our Travel Plans

Jet Set Secure

Whether you're traveling for leisure, business, or education, Jet Set Secure offers a variety of customizable options.
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Schengen Travel

Does the thought of sudden illness or losing a document overseas scare you?
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Worldwide Travel

Does the thought of sudden illness or losing a document overseas scare you?
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BUY ONLINE

Student Travel

As an ambitious student in a new country what if you suddenly lost your passport?
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Overseas Travel

Ever thought what would happen if you are abroad and you happen to fall ill?

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Domestic Travel

While travelling in India or daily commutes, do you worry about losing your baggage?

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Eligibility Criteria for Travel Insurance Policy in India

To buy travel insurance in India, you must meet the following eligibility criteria-

· You must be an Indian resident

· Your age must be between 0.6 and 70 years (over 61 years for senior citizen travel insurance

· For student travel insurance, you must be enrolled in a foreign educational institute

Europ Assist

We love to make your travel experiences and insurance claims smooth. Our partnership with Europ Assistance, a popular travel assistance provider, helps us do just that.

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How To Avoid High Premiums

Factors That Affect Travel Insurance Premium

There are several factors that can affect the premium of a travel insurance policy. These include-

The destination of travel: Travel insurance premiums can vary depending on the destination of travel. More risky or remote destinations usually come with higher premiums.

The length of the trip: Longer trips typically have higher premiums than shorter trips.

The age of the policyholder: Older policyholders may have to pay higher premiums due to an increased risk of medical issues.

The coverage amount: The higher the coverage amount, the higher your premium will be.

The type of policy: Different types of travel insurance polices, such as single-trip, multi-trip, or long-term policies, will have different premiums.

The type of coverage: Some policies may offer additional coverage for events like trip cancellation, baggage loss, or personal accident which may increase the premium.

Pre-existing medical conditions: If you have pre-existing medical conditions, this may affect your premium, and you may be required to pay more.

Tips to Lower Your Travel Insurance Premium

You can take a few steps to ensure you get the maximum coverage at the most affordable premiums.

Compare quotes from multiple providers: Before finalizing the insurance provider, make sure you do your research and compare the quotes from different providers. This will help you find the best deal on travel insurance.

Choose a policy with the coverage you need: Many providers allow you to customize your plan and only pay for the coverage that you need. This eliminates any unnecessary coverage that increases the premium.

Look for discounts: Some providers offer discounts for things like paying for your policy in full or purchasing it well in advance of your trip. Make sure to ask for such offers before finalizing the provider.

Avoid high-risk activities: Some activities, such as adventure sports, can increase your premium. If you plan to participate in such activities, make sure they are covered by your policy. To lower your premium, try to avoid any high-risk adventure activities.

Consider a longer trip: Some policies offer better rates for longer trips, so consider extending your trip if you can.

Pay attention to the excess or deductible: A higher excess or deductible may lower your premium.

Why Should You Buy Travel Insurance Online?

Many insurance providers allow you to buy your desired travel insurance from the comfort of your home. There are several reasons why buying travel insurance online is a good idea. These include-

Convenience

Buying travel insurance online is quick and easy, and you can do it from the comfort of your own home or while on the go.

Comparison shopping

With many providers and plans to choose from, you can compare prices and coverage options to find the best deal for you.

Immediate coverage

With online purchases, coverage begins immediately and you will receive the insurance policy instantly in your email.

Easy claims

Many travel insurance providers offer online claim filing and tracking too, making it easy to file a claim if you need.

Access to customer support

Many travel insurance providers offer 24/7 online customer support to help you with any questions or issues that may arise.

Additional Discounts

Many providers offer attractive discounts when you buy travel insurance online. This makes it a good way to save money.

Reviews

You can easily read reviews and check the reputation of the provider before purchasing.

Things to Consider While Buying Travel Insurance Online

When you are buying travel insurance online, there are several key factors that you must consider. These include the following-

Coverage
Make sure that the policy covers the things that are important to you, such as medical expenses, trip cancellation, and lost or stolen luggage. Additionally, check the validity of the policy and make sure it covers your entire trip.
Exclusions
Be aware of any exclusions in the policy to avoid any inconvenience later. This includes factors such as pre-existing medical conditions or certain types of travel, such as adventure sports.
Deductibles and limits
Check the policy's deductibles and limits, which will determine how much you will have to pay out of pocket in case of a claim and the maximum payout for a covered event.
Provider's reputation
Check the reputation of the insurance provider and read customer reviews before making a purchase.
Pricing
Shop around and compare prices from multiple providers to find the best deal.
Fine print
Read the policy's fine print carefully and understand the terms and conditions of the coverage.
Claims process
Understand the claims process and make sure it's simple and efficient.
Availability of customer service
Make sure the provider has a dedicated customer service team that can assist you when you need it no matter where you are in the world.
Coronavirus coverage
Many countries have made travel insurance coverage for coronavirus mandatory for visa approval. So make sure your travel insurance covers coronavirus too. You can also opt for it as an additional cover.

How Can I Purchase
Travel Insurance?

1
Get a quick quote

We only need some basic details about your travel and visa to give you a quote.
2
Fill the form

Select a quote that suits you and fill our proposal form. Answer some questions about your travel.
3
Pay and get your policy

Now pay the premium and get your policy in your inbox!

FG Insure App

Track and manage your policies with the FG Insure App.

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What is the claim process?

Our claim settlement process is fast and relaible.

1

Medical
In case of medical emergency or hospitalization
2

Treatment
Approach the medical service provider abroad and show FG Travel Insurance Policy to avail the cashless treatment
3

Intimate
Inform 'Europ Assistance' to intimate the claim
4

Guarantee letter
Europ Assistance places the guarantee letter with provider
5

Bill Settlement
Europ Assistance settles bills directly with provider

Report a Travel Claim

Facing problems on your trip?

Whatever it is, we are here to help you 24/7. Get in touch with us to begin your insurance claim process.

Report Claim

Countries Where Travel Insurance is Mandatory

Many countries have made travel insurance mandatory for visa approval. If you are travelling to any of the following countries, you need to buy travel insurance-

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How to Extend International Travel Insurance?

You might need to extend your international trip because something unexpected came up or simply to enjoy some more time with your loved ones. But don't forget to extend your travel insurance too.

You can easily extend your travel insurance by following these steps-

1

Check if an extension facility is available for your policy
2

Get in touch with us via phone or email or visit your nearest Future Generali branch
3

Fill out the extension form and submit the required documents
4

We will verify your policy status, documents, and other details and extend your international travel insurance

FAQs - Frequently Asked Questions

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What is travel insurance?

Travel insurance is a type of insurance that covers various financial losses that may occur during your trip, such as trip cancellation, medical expenses, lost or stolen luggage, and emergency evacuation.

What does travel insurance cover?

Travel insurance typically covers trip cancellation, medical expenses, lost or stolen luggage, emergency evacuation, and other unexpected expenses that may occur during a trip. Some policies also cover things like a trip interruption, travel delay, and accidental death or dismemberment.

Do I need travel insurance?

While it's not legally required, travel insurance can provide financial protection in case of unexpected events during a trip. It's a good idea to have travel insurance, especially if you're travelling internationally or planning a trip that involves a significant investment. Moreover, many countries have made travel insurance mandatory for visa approval.

How much does travel insurance cost?

The cost of travel insurance varies depending on factors such as the type of coverage, the duration of the trip, and the destination. On average, a basic travel insurance policy can cost anywhere from 4-10% of the total trip cost.

How do I buy travel insurance?

You can buy travel insurance online or offline depending on your preference. You will typically need to provide information such as the details of your trip, the type of coverage you need, and your personal information.

Can I cancel my travel insurance policy?

Yes, you can cancel your travel insurance policy, depending on the terms and conditions. Some providers may offer a refund if the cancellation is made before the trip starts or within a certain time frame.

What is a pre-existing medical condition?

A pre-existing medical condition is a health problem that existed before you purchased the policy. Some travel insurance policies do not cover pre-existing medical conditions, while others may require additional information or charge a higher premium.

Can I purchase travel insurance after I've booked my trip?

Yes, you can purchase travel insurance after you've booked your trip, but it's best to do it as soon as possible. Some travel insurance policies have time limits for when they can be purchased, and some policies may not cover certain events that happen before the policy is purchased.

How do I know what type of coverage I need?

The type of coverage you need will depend on the details of your trip and your personal needs. Some common types of coverage include trip cancellation, medical expenses, lost or stolen luggage, and emergency evacuation. It's best to review the different types of coverage and compare them to find the best policy for your trip.

Can I add coverage for adventure sports or activities?

Many travel insurance policies do not cover adventure sports or activities by default, but you can often add coverage for an additional premium. It's important to check the policy details and make sure the activities you plan to do are covered.

What is the difference between a single trip and a multi-trip policy?

A single-trip policy is designed to provide coverage for a specific trip, usually for a set number of days. This type of policy is ideal if you are taking a one-time trip, such as a vacation or a business trip. A multi-trip policy, on the other hand, is designed to provide coverage for an extended period for an unlimited number of trips, usually for an entire year. This type of policy is ideal if you travel frequently for business or leisure.

Why should I buy travel insurance from Future Generali?

When you buy travel insurance from Future Generali, you get access to benefits like-

Complete overseas protection with 24/7 toll-free assistance
A comprehensive coverage
Easy and cashless claim settlements

Does Future Generali maintain a network of service providers across the globe?

We depend on the global expertise of EUROP ASSISTANCE (Generali Group Company) for this service.

Is there an option to take family cover i.e. one policy for self, spouse and children?

Yes. You can avail of the family plan under Asia & Schengen Travel policy.

What is the minimum coverage offered by Future Generali under Travel Insurance Plans?

We offer a minimum cover of 50,000 Euros under the Schengen travel plan; 25,000 USD under the Asia plan; and a minimum of 50,000 USD under the World Plan. For Student Suraksha, the minimum coverage under the Asia plan (excluding Japan) is 25,000 USD and under the World plan is 50,000 USD.

Can I avail cashless mode of settlement for Medical expenses? Are there any deductions in Travel insurance claims?

Yes, a cashless mode of settlement is available in most overseas hospitalization cases. There is a minimum deductible under Medical expenses and Emergency Dental relief cover which vary with the plan chosen (25-100 USD).

Can I extend my policy in case I extend my stay?

Yes, Future Generali provides an extension facility under all travel plans.

Does one have to undergo any medical examination?

For Future Travel Suraksha, Future Travel Suraksha Select, Future Easy Travel Worldwide, Future Easy Travel Schengen, and Future Student Suraksha - there is no medical examination required if you do not make any medical declarations in the proposal form. However, in case of any medical declaration, medical tests shall be advised by the Underwriting Team for the Future Travel Suraksha Superior Care plan - proposal with the age of 71 years to 80 years, medical tests are required.

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