Most travellers put all their energy into planning flights, hotels, and sightseeing, but barely think about travel health insurance. For many, it feels like an optional add-on, something travel agents push for extra profit. The truth is, it can be the difference between a trip you remember for the right reasons and one that drains your savings.
Travel health insurance is a policy that covers medical expenses and health-related emergencies during your trip, whether in India or abroad. It protects you from the shock of huge hospital bills, doctor fees, or emergency evacuations, which can be especially expensive overseas. Even a single night in a foreign hospital can cost far more than your entire holiday budget.
Coverage varies from plan to plan, but most policies focus on medical emergencies such as hospitalisation, doctor consultations, ambulance services, and urgent evacuations. Some policies add extras like dental treatment, trip cancellations, or compensation for lost baggage. But there are always exclusions. Many do not cover pre-existing medical conditions, routine check-ups, or injuries from adventure sports unless you specifically add those benefits. This is why reading the fine print before you buy is essential.
For certain destinations, travel health insurance isn’t just advisable it’s mandatory. Countries in the Schengen zone, for example, require proof of coverage worth at least €30,000 before issuing a visa. Without it, your application can be rejected outright. Other countries have their own minimum coverage requirements, so it’s worth checking before you apply.
Policy limits also matter. Some insurers allow direct cashless treatment at their partner hospitals, while others require you to pay first and get reimbursed later. It’s important to know whether the insurer offers a 24/7 helpline, what their claim process involves, and whether they have hospital tie-ups at your destination. During an emergency, you won’t have the patience or time for complicated paperwork.
Your health and travel style should guide your choice. If you have a medical condition such as diabetes or heart disease, look for a plan that covers it. If your trip includes activities like trekking or scuba diving, make sure those are included too. Travelling with children or elderly parents might mean opting for higher coverage. In all cases, disclose your medical history honestly concealing it can lead to claim rejection.
Cost shouldn’t be the only factor, but it’s part of the decision. A basic week-long international plan might cost between ₹1,700 and ₹2,000, while a comprehensive plan with higher limits will be more expensive. Cheaper policies can be tempting, but they often cut corners on coverage or have poor claim support. Comparing multiple reputed insurers is worth the effort, and reading customer feedback though not always perfect can give you a sense of how reliable they are.
In the end, travel health insurance is not about being paranoid; it’s about being prepared. It ensures that a medical emergency doesn’t turn your dream holiday into a financial nightmare, leaving you free to enjoy your trip with peace of mind.