How much travel insurance cover should I buy?

Coverage should match risks and costs for your destination. InsurDeck guides you to the right amount for any country and visa.

Can family members be covered together during travel?

Yes, family cover options exist for shared trips. InsurDeck compares quotes and benefits for group travelers.

Travel smart. Worry less. Wander more

Because the only surprises on your trip should be the good kind

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What Your Travel Shield Covers

From tiny hiccups to big emergencies, InsurDeck’s got your back, wherever you roam

Your Health, Your Safety

Find plans with global medical support

Guidance for emergency evacuations

Access to trusted tele-doctors

COVID-19 assistance where it matters

Smooth Trips, No Surprises

Advice on coverage for cancellations or delays

Help handling missed connections or rerouted flights

Recommendations for non-medical emergency evacuations

Support in finding coverage for visa-related trip changes

Your Belongings, Backed

Solutions for baggage delays or loss

Help navigating lost passport or card claims

Options for sports or professional gear coverage

Guidance on coverage for gadgets and travel tech — from laptops to cameras

Ready to Travel Without Worries?

Let’s sort your travel insurance over one quick chat—so you focus on packing, not paperwork.

Plan My Trip with InsurDeck

Little Things We’ve Got Covered, So You Can Focus on Big Adventures

Choosing Smart Add-Ons, Without the Confusion

Travel insurers throw in dozens of extras—gadget cover, card protection, baggage riders. Which ones do you actually need? That’s where we step in.

Explaining Medical Cover in Plain Language

Hospital bills abroad can feel scarier than the illness itself. We walk you through OPD, accident, and medicine coverage in simple terms—so you know what’s covered and what’s not before you even board the flight

Emergency Help Without Guesswork

Every policy says ‘24/7 support,’ but what does that really mean? We decode how it works, tell you whom to call, and ensure you’re not stuck reading fine print at midnight in a foreign city

Evacuation and Big Emergencies

Some trips need more than local help—think airlifting or shifting hospitals. We help you understand which plans actually include this and how to activate it if the unthinkable happens

Translating Insurance into Your Travel Story

nstead of giving you a bulky brochure, we listen—Are you a student? A honeymooner? A frequent flyer? Then we recommend coverage that fits your story, not a generic template

Trips That Match Your Timeline

One week holiday or six months abroad—we help you pick the right duration, so you only pay for what you need.

Why Choose InsurDeck for your travel needs

Clear Travel Guidance

Skip confusing online advice. We decode policies and show what really matters for your trip

Smart Cover Choices

From medical bills abroad to lost luggage, we structure cover that’s cost-efficient yet reliable

Support That Travels

Stuck overseas with an emergency? We guide you through claims and next steps instantly

Ready for Stress-Free Journeys?

Travel is exciting, but unexpected hiccups—flight delays, medical bills abroad, or lost luggage—can quickly ruin the experience. At InsurDeck, we don’t just push policies; we guide you toward the right travel cover that protects you wherever your passport takes you.

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Get Your Free Life Insurance Quote

Explore life insurance plans that secure your loved ones with the right coverage at the right time.

Don’t Buy Travel Insurance Before Reading This

“I’m young and healthy—do I really need travel insurance for medical cover?” is one of the first questions we hear at InsurDeck.

The truth: medical costs abroad can be crushing. A simple stomach infection in Singapore can cost more than an entire health check-up package in India. In the US, even a single day of hospitalization can run into lakhs of rupees. Without insurance, you’re paying all of that from your own pocket.

Here’s what you should know before deciding:

Covers hospitalization, emergency treatment, doctor visits, and ambulance services abroad.

Can also cover medical evacuation (flying you back to India if treatment isn’t available locally).

Pre-existing illnesses are usually excluded unless declared and specifically accepted.

Cashless treatment available at network hospitals worldwide—just like in India.

IRDAI mandates that insurers clearly disclose limits and exclusions, so there’s no hidden fine print.

💡 Think of medical cover as carrying an umbrella in monsoon. Even if you step out in sunshine, a sudden downpour can ruin your day—and your pocket.

👉 At InsurDeck, we don’t just help you “buy a policy.” We review your health history, destination, and trip length to ensure your plan is airtight—no surprises mid-trip.

📦 Did You Know?
A 2-day hospital bill in the US can cross ₹3 lakhs. With travel insurance, your out-of-pocket cost could be zero if you use a cashless partner hospital.

Chat on WhatsApp to find the right plan before I fly

“If my trip gets cancelled, do I really lose all that money?” is another big worry we hear at InsurDeck.

The truth: flights, hotels, and visas are often non-refundable, and one sudden event can wipe out your hard-earned savings. Travel insurance can reimburse you for those prepaid costs if cancellation is due to valid reasons like medical emergencies, family illness, natural calamities, airline strikes, or even visa denial.

Here’s what you should know before deciding:

Covers non-refundable flight tickets and hotel bookings if cancelled for covered reasons.

Visa rejection is also covered by some insurers—provided you submit embassy proof.

Family emergencies (like sudden hospitalization in India) are valid grounds.

IRDAI rules require insurers to clearly list acceptable cancellation causes—so no hidden shocks.

“Change of mood” or voluntary cancellations are never covered.

💡 Think of this as a safety net under your travel bookings. You may never fall, but if you do, the net catches your money before it hits the ground.

👉 At InsurDeck, we review your flight and hotel bookings and match them with a plan that ensures maximum cancellation cover—so you don’t burn lakhs for reasons beyond your control.

📦 Did You Know?
Even a last-minute visa rejection for Europe can mean losing ₹80,000+ in tickets and hotels. With the right travel insurance, most of it can be reimbursed back to you.

Check My Cancellation Cover with InsurDeck

“What if my bag or passport goes missing abroad?” is one of the biggest fears travellers share with InsurDeck.

The truth: lost baggage or a misplaced passport can derail your entire trip. Imagine landing in Dubai with no clothes or getting stuck in Paris without a passport—suddenly, every small expense feels like a crisis.
Travel insurance helps cover replacement essentials, reissue costs, and even emergency funds so you can continue your journey smoothly.

Here’s what you should know before deciding:

Covers delayed baggage (essentials like clothes and toiletries if your bag arrives late).

Covers permanently lost baggage (up to the insured limit, based on receipts/proof).

Covers passport loss (cost of reissue and temporary documents).

Police reports or airline slips are mandatory for claims under IRDAI norms.

Excludes carelessness (like leaving your bag unattended at a café).

💡 Think of travel insurance as your backup locker. Even if your bag or passport disappears, you have a system in place to get back on track quickly.

👉 At InsurDeck, we guide you on what documents you’ll need in case of loss—so your claim doesn’t get stuck in paperwork abroad.

📦 Did You Know?
Airlines in India and abroad compensate very little for lost luggage. Without travel insurance, you might recover only a fraction of the actual value of your items.

Ask InsurDeck What Documents I’ll Need if I lose my bag or passport

“If I fall sick abroad, do I have to pay first and claim later?” is a common worry travellers share with InsurDeck.

The truth: many Indian insurers have global hospital tie-ups where you get cashless treatment abroad, just like in India. That means the hospital bills the insurer directly—you don’t swipe your credit card first. But here’s the catch: you need to know which hospitals are in the network list before you travel.

Here’s what you should know before deciding:

Cashless treatment available at partner hospitals worldwide.

For non-network hospitals, you may have to pay first and claim later.

Always carry your policy card and helpline numbers while travelling.

Some insurers offer a 24x7 multilingual helpline to connect you instantly.

IRDAI rules ensure cashless services are clearly disclosed in policy documents.

💡 Think of cashless cover as having a local friend abroad—someone who settles your hospital bill while you focus on getting better.

👉 At InsurDeck, we check your destination hospitals in advance and tell you which ones are covered—so you’re never caught searching for help during an emergency.

📦 Did You Know?
In countries like Thailand or Singapore, hospitals may ask for a deposit of $2000+ upfront if you don’t have a cashless tie-up. With the right travel insurance, that amount is waived entirely.

WhatsApp My Destination to get a free cashless check

“I have diabetes—will travel insurance cover me if something happens abroad?” is a very common question we hear at InsurDeck.

The truth: most policies do not cover pre-existing conditions by default. That means if you’re already diabetic, asthmatic, or have heart problems, complications from those may be excluded. But some Indian insurers now offer add-ons that include pre-existing illnesses—if you disclose them upfront.

Here’s what you should know before deciding:

Non-disclosure = claim rejection under IRDAI rules. Always declare your health history.

Pre-existing illness cover add-ons are available, but at a higher premium.

Some plans cover emergency stabilization (initial treatment abroad, followed by evacuation).

Travel insurance is not a substitute for full health insurance—it’s temporary protection.

Insurers may require a medical questionnaire before approval.

💡 Think of pre-existing cover like carrying your regular medicines in your hand luggage. You may not always need them, but if you do, you’ll thank yourself for planning ahead.

👉 At InsurDeck, we help you weigh whether paying extra for a pre-existing cover is worth it—based on your health history, trip length, and destination risks.

📦 Did You Know?
Even a minor diabetes-related emergency in the US can cost ₹1–2 lakhs for stabilization. With a pre-existing add-on, this can be fully covered.

Review My Health Cover with InsurDeck

“Do I really need travel insurance for a Europe trip?” is a frequent doubt travellers ask us at InsurDeck.

The truth: for Schengen countries (like France, Germany, Italy, Spain), travel insurance is mandatory. Without proof of medical cover worth at least €30,000, your visa application can be rejected. The embassy checks this before approving your visa.

Here’s what you should know before deciding:

Minimum €30,000 medical cover is required for Schengen visas.

Insurance must cover medical emergencies, hospitalization, and repatriation.

Some embassies ask for a cover letter from the insurer—InsurDeck ensures you get this.

IRDAI-approved Indian policies are fully acceptable abroad.

Buying last minute or picking the wrong policy can delay or reject your visa.

💡 Think of Schengen insurance as your boarding pass to Europe. Without it, you can’t even enter the airport gate of your dream trip.

👉 At InsurDeck, we help you choose a visa-compliant plan and give you the right documents—so your application goes through without stress.

📦 Did You Know?
Every year, thousands of Indian applications are delayed or rejected just because of incorrect insurance paperwork.

Get Embassy-Ready Insurance with InsurDeck

“I’m planning to try skydiving in Spain—will travel insurance cover me if something goes wrong?” is a concern many adventure-seeking travellers share with InsurDeck.

The truth: standard travel insurance excludes high-risk sports like skydiving, skiing in Switzerland, scuba diving in Bali, or paragliding in Turkey. If you get injured while trying these, the claim can be rejected. However, some insurers offer special add-ons that include such activities—if you buy them before you travel.

Here’s what you should know before deciding:

Standard plans exclude most adventure sports abroad.

Add-ons are available for specific activities—but you must declare them upfront.

Even “milder” activities like snow trekking in Europe may be excluded under normal policies.

IRDAI rules ensure insurers must clearly disclose exclusions—no hidden surprises.

Without proper cover, you could face ₹3–5 lakh medical bills abroad after an accident.

💡 Think of adventure sports cover as your parachute for the parachute. The thrill is worth it only if your finances are protected while you’re in the air.

👉 At InsurDeck, we map your international itinerary and ensure you’re covered for exactly what you’ll be doing—whether it’s skiing in the Alps or skydiving in Spain.

📦 Did You Know?
A single broken ankle during a skydiving mishap in Spain can cost over €7,000 (₹6 lakhs) in hospital bills—without insurance, that’s straight from your pocket.

Check If My Adventure Abroad Is Covered with InsurDeck

“I’ve heard travel insurance claims are always rejected—is that true?” is a worry we often hear at InsurDeck.

The truth: most claim rejections happen because of missing documents or late filing, not because insurers don’t want to pay. IRDAI regulations clearly require insurers to honour valid claims, but travellers often don’t know the paperwork process abroad. That’s where having a guide makes all the difference.

Here’s what you should know before deciding:

Always file your claim within the allowed window (usually 7–30 days).

Keep copies of hospital bills, police reports, airline slips, or embassy letters—claims without these are usually rejected.

Cashless claims are simpler, but reimbursement claims need full proof.

IRDAI rules give you the right to appeal if a claim is unfairly denied.

With InsurDeck, you get a pre-trip checklist of documents to carry—so you’re always claim-ready.

💡 Think of claims like boarding a flight. If you show up with the right ticket and ID, you’re allowed in. Miss one, and the gate stays shut.

👉 At InsurDeck, we guide you through every step of the claims process—from filing the form to following up with the insurer—so your money comes back without stress.

📦 Did You Know?
In India, over 60% of rejected claims are due to incomplete paperwork, not because the claim was invalid.

Talk to an Advisor about filing a smooth claim

“I didn’t know travel insurance could also save me tax—is that true?” is something travellers are surprised to hear at InsurDeck.

The truth: yes, under Section 80D of the Income Tax Act, the premium you pay for travel insurance that includes medical cover is eligible for tax deduction—just like your health insurance in India. This means you’re protected abroad and you save money at home.

Here’s what you should know before deciding:

You can claim up to ₹25,000 deduction for premiums paid (₹50,000 for senior citizens).

The policy must have a health/medical coverage component to qualify.

Only paid premiums (not employer-sponsored cover) are eligible.

You’ll need the premium receipt and policy document while filing returns.

IRDAI-approved travel insurance plans are fully valid for 80D claims.

💡 Think of it as a two-in-one deal—you get safety abroad, and a bonus tax saving when you return to India.

👉 At InsurDeck, we help you calculate how much you can save under 80D and make sure you get the right documents for your CA or tax filing.

📦 Did You Know?
Most travelers never claim this benefit. A family of four buying travel insurance can actually save up to ₹25,000 in taxes while also being protected overseas.

Calculate My 80D Savings with InsurDeck

“What if my trip gets extended—will my travel insurance still protect me?” is a last-minute worry we hear often at InsurDeck.

The truth: most Indian travel insurance plans allow policy extensions, but you must request them before your policy expires. Some insurers also allow portability—moving to another plan if your needs change mid-travel—but it has to be approved in advance.

Here’s what you should know before deciding:

Trip extensions: You can usually extend your policy online, but only if you haven’t already made a claim.

Policy portability: If you want better coverage (say, upgrading student cover to long-term work cover), it’s possible with some insurers.

IRDAI rules: Ensure the new/extended policy is issued seamlessly without coverage gaps.

If you forget to extend and your policy lapses while abroad, no claim will be honoured for incidents after expiry.

At InsurDeck, we send you reminders before expiry and help process extensions—even if you’re already overseas.

💡 Think of travel insurance like a mobile data pack—you can top it up when you need more days, but only if you recharge before it runs out.

👉 With InsurDeck, you don’t need to panic about missing dates—we help you keep your cover running smoothly, no matter where you are.

📦 Did You Know?
Some insurers in India even allow emergency extensions via WhatsApp if you’re stuck at an airport abroad.

Extend My Cover Now with InsurDeck

Travel Insurance Questions
We Hear Every Day

How much travel insurance cover should I take?

There’s no one-size-fits-all. For the US, ₹50 lakh–₹1 crore is wise (medical costs are sky-high). For Europe, ₹30–50 lakh usually works. For Asia, ₹10–20 lakh may suffice. We calculate the right cover for you based on destination, trip length, and medical inflation, so you don’t under-insure or overspend.

Will travel insurance cover missed flights or delays?

Yes, but only if due to reasons beyond your control (airline strikes, bad weather, medical emergencies). Personal negligence isn’t covered. We explain claimable scenarios clearly and help with the paperwork to get compensation smoothly.

Can family members be covered under one travel insurance plan?

Yes. Indian insurers offer family floater travel policies, covering spouse and dependent children under one sum insured. We compare individual vs floater plans so you save money without reducing coverage.

Is travel insurance mandatory for all countries?

Not always. Countries like the Schengen Zone, Russia, and UAE make it compulsory, while others leave it optional. We guide you on country-specific rules so you’re never caught with a rejected visa or denied boarding.

What happens if I lose my passport abroad?

Your policy usually pays for re-issuance costs, and in emergencies, helps with temporary travel documents. We give you a step-by-step checklist and connect you with the insurer’s 24x7 assistance desk for faster embassy help.

Can I buy travel insurance after starting my trip?

Most Indian insurers require you to buy before departure. A few allow mid-trip purchase, but past incidents won’t be covered. We know which insurers allow mid-trip cover and help you apply quickly if you forgot earlier.

Do student travel insurance plans differ from tourist ones?

Yes. Student plans include tuition fee cover, study interruption, sponsor protection, and even laptop cover. Tourist plans don’t. We match students with university-approved plans, saving parents from last-minute rejections or extra costs.

Are cashless hospital treatments available abroad like in India?

Yes. Insurers partner with international hospital networks for cashless treatment. Outside the network, you may need to pay upfront and claim later. We provide a hospital locator list and assist with real-time approvals, so you don’t face payment stress abroad.

Does travel insurance cover adventure sports by default?

No. Standard policies exclude extreme sports like skydiving, scuba, skiing. You need a special add-on or adventure plan. We clarify which insurers accept your activity as recreational vs hazardous—so you don’t get claim shocks later.