Best Family Travel Insurance Plans for Indians Traveling Abroad

• Individual Travel Insurance: Provides coverage for only one person, with benefits and premiums based on the individual.
• Family Travel Insurance: Provides coverage for multiple family members (spouse, children) under one policy, often at a lower cost than individual policies.

Yes, you can add but you must be aware that each insurer has different terms and condition for adding your parents to family travel insurance. Some would allow you to add to the same policy and others may offer as a separate coverage option for senior citizens. You can read policy related documents and confirm with insurer about the eligibility.

You can claim your travel insurance policy by contacting the insurer. You will be asked to fill out the claim form and submit supporting documents (e.g., medical reports, receipts, tickets). After submission you have to wait for claim status update and insurer’s decision about the claim.

Family travel insurance policies from NRIOL are issued immediately, once payment is confirmed you'll typically receive your policy document by email within minutes. In rare cases, it will be forwarded for the respective insurance company for proposal approval and then will go for issuance. For example, a traveller having multiple pre-existing conditions or some disease mentioned in the proposal which might require underwriter team approval. In this case, it might take couple of hours to maximum one working day.

You can cancel the travel insurance policy and get a refund for the insurance plan. The policy may be cancelled if the cancellation occured before the start of the policy.

Given the high costs of healthcare around the world, Travel medical insurance is not a luxury but very much a necessity while traveling outside India. Overseas travel insurance coverage is in fact required as a mandate to get a visa while traveling to certain countries.

The main reason to buy travel insurance is to cover any emergency medical expenses of the traveler while outside Indian. Other unforeseen losses such as trip delays or baggage delays can also be covered. Depending upon the features of the plan that you purchase, travel insurance can provide the additional assurance that expenses will be covered for medical care including hospital admission, emergency dental care, and emergency medical evacuation. Emergency cash advances, and help with retrieval of luggage or other services may also be available.