How to Choose the Right Travel Insurance in 2025

Byadmin

Planning a trip is fun—checking places, booking flights, and getting excited. But many forget one key thing: travel insurance. It may not sound exciting, but it can save you from big problems.

Travel insurance helps when things don’t go as planned. This can include health issues, flight delays, lost bags, or passport troubles. Imagine falling sick in a foreign country and having to pay hospital fees in dollars. That’s where travel insurance becomes important.

At Travelblog, we want Indian travellers to know how to travel smart. That’s why we’ve written this guide using simple words and a clear format.

What Does Travel Insurance Cover?

Travel insurance helps cover expenses when you face issues during your trip. Most good plans offer:

  • Medical cover: If you fall sick or get hurt, your hospital bills will be covered.
  • Trip delays/cancellations: If your flight is late or cancelled, your costs may be refunded.
  • Lost luggage: If your bags are lost or delayed, you’ll get money to buy essentials.
  • Lost passport: Helps with costs of getting a new passport.
  • Emergency travel back to India: If something urgent happens, your return travel is covered.

Some plans also cover personal accidents and legal help. But you must read the policy to know what is included.

You can always find such travel checklists and help articles on Travelblog.

Common Things That Are Not Covered

It’s just as important to know what is not covered. Most insurance plans don’t pay for:

  • Health problems that you already had before the trip
  • Accidents if you were drunk
  • Damage caused during adventure sports unless you pay extra
  • Travel to countries marked as risky or banned

Always read the fine print. At Travelblog, we suggest checking the exclusions before buying any plan.

What Type of Travel Insurance Do You Need?

Different people need different plans. Pick the one that fits your trip:

  1. Single Trip Plan
    • Good for people going abroad once or twice a year.
    • Covers one trip from start to end.

  2. Multi-Trip Plan
    • Ideal if you travel often for work or short vacations.
    • Covers multiple trips in a year under one policy.

  3. Student Travel Plan
    • Best for Indian students studying abroad.
    • Covers medical, lost documents, and even tuition fee refund in some cases.

  4. Family Travel Plan
    • Covers all family members under one plan.
    • Cheaper than buying separate policies for each person.

  5. Senior Citizen Plan
    • Made for people above 60.
    • Focuses more on health coverage.

You can always read reviews of these plan types and comparisons on Travelblog.

How to Choose the Right Travel Insurance

  • Step 1 – Decide your travel need: Are you going solo, with family, or as a student? Pick the category first.
  • Step 2 – Compare plans: Use websites like Policybazaar or Coverfox. Look at coverage, cost, and customer ratings.
  • Step 3 – Check claim process: Pick a plan that has a simple and fast claim process. You don’t want stress when you’re already dealing with a problem.
  • Step 4 – See if it includes COVID-19 cover: Some countries still ask for insurance that covers pandemic-related issues.
  • Step 5 – Know the claim settlement ratio: This tells you how many claims the company has paid out. A higher number means better chances of your claim being approved.

Need help comparing? Travelblog often shares updates with easy comparisons for readers.

What Documents Do You Need to Buy It?

You don’t need many papers. Here’s what’s usually asked:

  • Passport copy
  • Travel ticket or itinerary
  • Basic medical history (if needed)
  • Contact details

Some companies may ask for more if you’re buying a student or senior citizen plan.

How to File a Claim If Something Happens?

If something goes wrong on your trip, here’s what to do:

  1. Call the helpline number provided in your policy
  2. Share your policy number and tell them what happened
  3. They will guide you with the next steps
  4. Submit the documents — bills, ID, and claim form
  5. Track your claim online or call for updates

Make sure to keep a copy of all receipts. It helps avoid delays. Travelblog recommends saving all documents digitally too.

Small Tips That Make a Big Difference

  • Buy your insurance just after booking your flight
  • Carry a printout of the insurance policy in your bag
  • Save the claim helpline number in your phone
  • Inform your family about your insurer and policy details

Final Words from Travelblog

Travel insurance is not just paperwork — it’s your support when things don’t go right. A small cost now can save you from big problems later. Whether it’s a week in Thailand, a Europe tour, or a study trip to the UK, travel insurance is a must.

Keep it simple: compare, choose, and buy. You’ll travel with more peace of mind.

Want more travel tips like this? Budget travel, visa info, smart hacks — you’ll find all of it on Travelblog. Our aim is to help Indian travellers make informed and smart choices, without confusion.

Bookmark Travelblog and come back every week for easy travel help.

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