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What's Covered in Family Travel Insurance?

Family travel insurance plans cover 2 or more individuals, including kids, against loss of baggage and documents, trip delays and more. Create memories and make the most of your holiday with your loved ones knowing that we are there to help when you need it most.

  • Trip Cancellation

    This is the #1 concern for travellers. This plan reimburses you for pre-paid, non-refundable expenses should you cancel your trip before departure.

  • Emergency Medical Expenses

    Get covered for day care procedures to hospitalization with family travel insurance up to $5,00,000 - the highest across competition.

  • Trip Delay per 12 Hours

    Trip delay coverage provides reimbursement for additional expenses if your flight is delayed, such as an extra night in a hotel or a meal at a restaurant.

  • Home Burglary Coverage

    Worried about home burglary? Get coverage up to Rs. 3,00,000.

  • Medical Evacuation

    This refers to moving an insured to the nearest available hospital, in the event of a medical emergency.

  • Medical Repatriation

    This involves arranging for transport to move an insured to their country of residence during a medical emergency.

  • Baggage Coverage

    This includes reimbursement if your luggage is lost, stolen or damaged. The insured is also provided with money to buy essential items until delayed bags arrive which can be a toiletry kit or a change of clothes.

  • Emergency Cash Advance

    Faced with a financial crisis when travelling? This plan provides emergency cash benefits.

  • Hospitalization Daily Allowance

    Travel insurance plan provides daily allowance in the event of hospitalization.

  • Loss of Passport/Loss of Baggage/ Delay of Baggage

    Travel insurance plans cover the cost of procuring a duplicate passport (up to $300). What's more, in the event of your baggage being misplaced by airlines, this plan provides coverage for this too!

  • Emergency Dental Pain Relief Cover

    Dental treatments up to $500 are covered under this policy.

  • Coverage against Hijack

    Should the aircraft you are travelling in be detained by hijackers, this plan promises coverage in the face of such eventualities.

  • Personal Accident Cover

    Should an accident occur during your travel, depending on the severity of the incident, this plan provides coverage up to $10,000.

Exclusions in Family Travel Insurance

  • Losses arising from accidents as a driver on motorized vehicles unless at the time of the accident the insured is in possession of a current full international driving license and while riding a two-wheeler is wearing a safety crash helmet.

  • Pregnancy resulting in childbirth, miscarriage, abortion, termination of pregnancy or complication arising out of any of the foregoing.

  • Losses arising directly or indirectly from manual work or hazardous occupations, self-exposure to needless peril (except in an attempt to save human life), or if engaging in any criminal or illegal act.

  • Any medical condition or complication which existed before the commencement of the policy period, or for which care, treatment or advice was sought, recommended by or received from a physician.

  • Loss or damage to the insured’s passport as a result of confiscation or detention by customs, police or any other authority.

  • Loss of passport which is not reported to the appropriate police authority within 24 hours of the discovery of the loss, and in respect of which an official report has not been obtained.

  • Loss caused by the insured’s failure to take reasonable steps to guard against the loss of the passport.

  • The insurer will not pay for any departure which is delayed as a result of the insured or any other person who is responsible for the travel arrangements and failed to check-in correctly as required by the airline.

  • The insurer will not pay for any delayed departure caused by a strike or industrial action known to exist or was anticipated at the time the trip was booked.

  • The insurer will not pay for any delay if the aircraft is taken out of service on the instructions of the Civil Aviation Authority or other competent statutory authority except due to bad weather conditions

  • The insurer will not pay for any bail amount where the insured has been charged for breaking the law with criminal intent.

  • The insurer will not pay for any bail amount where the insured has been charged for over speeding in a vehicle.

  • The insurer will not pay for any deductible mentioned in the Schedule (pertaining to loss of laptop).

  • The insurer will not pay for any electrical or mechanical breakdown of the laptop.

  • The insurer will not pay for loss of software or data in the laptop and any consequential loss.

  • The insurer will not pay for loss or damage arising from detention, confiscation, destruction or requisition by or under the order of any government and/or public or local authority.

  • Congenital anomalies or any complications or conditions arising there from.

  • Any Fertility, sub fertility, impotence, assisted conception operation or sterilization procedure.

  • For the complete list of exclusions, refer to the PDF in the 'Download' section.

Why choose Finserv Markets For Family Travel Insurance

Fast online process

No tedious paperwork or heavy documentation - 3 steps are all it takes! Get your policy within minutes in your mailbox!

Hassle free settlement

A claim settlement ratio of 93% and no third-party involvement. Use Travel Ezee for instant reimbursement of flight delay expenses.

Covered across geographies

With 10000+ network hospitals around the globe and highest emergency cash benefit, no matter where you go, we've got you covered.

On Call support

Get on-call support anywhere in the world.

Trusted companion

100 million+ happy customers across India have chosen Finserv Markets as their trusted financial partner. It's your time now!

How To Apply For Family Travel Insurance?

No rocket science here! Follow 5 simple steps and you’re done.

  • Choose your destination

  • Select the travel dates

  • Enter coverage

  • Fill form and complete payment

  • Policy issued

Claim Process for Family Travel Insurance

Filing claims was never so easy. Just follow these steps and your're done.

  • 1

    Register Your Claim Online

  • 2

    Upload Documents Online

  • 3

    Claim Assessment

  • 4

    Claim Decision

For information on your travel insurance policy, refer to the 'Process' section below.

  • Process
  • Download
  • Emergency Contact
  • Medical
  • Trip Cancellation/Trip Delay/ Missed Connection
  • Baggage Delay/Loss of Baggage
  • Cancellation Process
  • Updating the Insurer

    Use the link below to inform and register your claim.

  • Document Collection

    Get all the documents required for the claim settlement process.

    For Personal Accident Cover related claims, the insured must file an FIR with the police and submit the same to the insurer.

  • Document Validation

    Unlike other travel insurance providers, an inhouse validation team considers claims made by customers. No middle-men here!

  • Document Submission

    For claim registration, please submit the documents specified in the relevant Claim Process document, which is available in the 'Download' section.

  • Updating the Insurer

    Use the link below to inform and register your claim.

  • Document Collection

    Get all the documents required for the claim settlement process.

    For Trip Delay - If the delay is more than 6 hours, the insured must contact the authorities of the concerned airlines, lodge a complaint and obtain a PIR (Property Irregularity Report) report from them.

    For Missed Connections - If the delay exceeds the specified time limit mentioned in your insurance plan and this results in a missed connection, please contact the authorities of the concerned airlines, lodge a complaint and obtain a PIR (Property Irregularity Report) report from them.

  • Claim Validation

    Unlike other travel insurance providers, an inhouse validation team considers claims made by customers. No middle-men here!

  • Document Submission

    For claim registration, please submit the documents specified in the relevant Claim Process document, which is available in the 'Download' section.

  • Updating the Insurer

    Use the link below to inform and register your claim.

  • Document Collection

    Get all the documents required for the claim settlement process.

    In the event of baggage loss/delay, the insured must contact the concerned airlines, file a complaint and obtain a PIR (Property Irregularity Report).

  • Claim Validation

    Unlike other travel insurance providers, an inhouse validation team considers claims made by customers. No middle-men here!

  • Document Submission

    For claim registration, please submit the documents specified in the relevant Claim Process document, which is available in the 'Download' section.

  • Cancellation of Policy before Start Date - Premature

    • You must inform the insurance company in writing/e-mail requesting cancellation of the policy. The e-mail should contain the policy/schedule number.
    • A cancellation fee of Rs. 250/- will be charged.

  • Cancellation of Policy after the Start Date – If the Insured has not traveled

    You must inform the insurance company in writing/e-mail requesting cancellation of the policy. The e-mail should contain the policy/schedule number along with the following details.

    • Proof that the he/she has not traveled overseas.
    • Photocopy or scanned copy of passport (all pages including ones that are blank).
    • Visa rejection letter in the event visa refusal by the respective embassy.

    Based on the approval of the underwriters, the policy will be cancelled within one working day after receiving an email and the required documents from the insured.

  • Cancellation of Policy after the Start Date – If the Insured has traveled

    In case of any early return of the insured person prior to expiry of the policy period, the company will refund premium at the rates shown in below table (subject to no claims being incurred on the policy). To know the percentage of premium to be retained by the insurer, refer to the table below.

    Period of Risk
    Percentage of Premium
    Service Parameters
    About 50% of Policy Period
    TAT’s to be calculated from
    Maximum TAT
    100%
    Service Parameters
    Between 40% - 50% of Policy Period
    TAT’s to be calculated from
    Maximum TAT
    80%
    Service Parameters
    Between 30% - 40% of Policy Period
    TAT’s to be calculated from
    Maximum TAT
    75%
    Service Parameters
    Between 20% - 30% of Policy Period
    TAT’s to be calculated from
    Maximum TAT
    60%
    Service Parameters
    Policy Inception - 20% of Policy Period
    TAT’s to be calculated from
    Maximum TAT
    50%

  • Medical Claim
  • Trip Delay Claim
  • Trip Cancellation Claim
  • Loss of Baggage Claim
  • Other Travel Insurance Related Claims
  • Exclusions
  • Links for Claim Settlement Forms

Line to redirect customers to links category.

  • A&D (Common Carrier) Claim Procedure to Insured
  • Outpatient Medical and Dental Claims Procedure to Insured
  • Medical Evacuation Claims Procedure to Insured
  • Medical Expenses Claims Procedure
  • PA Cover in India Claim Procedure to Insured
  • Personal Accident Claim Procedure to Insured
  • Personal Liability Claim Procedure to Insured
  • Replacement and rearrangement of staff Claim Procedure to Insured
  • Claim Settlement Form/National Electronic Funds Transfer (NEFT) Form
  • Authorization for Medical Records Form - Allianz
  • Authorization for release of medical information from Medical Record - Bajaj
  • Attending Physician Statement Form
  • Missed Connection Claim Procedure to Insured
  • Trip Cancellation Claim Procedure to Insured
  • Trip Curtailment Claim Procedure to Insured
  • Claim Settlement Form/National Electronic Funds Transfer (NEFT) Form
  • Difference in Airfare due to delayed or early return Claim Procedure
  • Trip Delay Claim Procedure
  • Claim Settlement Form/National Electronic Funds Transfer (NEFT) Form
  • Loss of baggage Claim Procedure
  • Loss of Laptop Claim Procedure
  • Loss of Passport Claim Procedure
  • Loss of Personal Belongings Claim Procedure
  • Claim Settlement Form/National Electronic Funds Transfer (NEFT) Form
  • Bail Bond Claim Procedure
  • Golfers Hole in one Claim Procedure
  • Hijack Claim Procedure
  • Home Burglary Claim Procedure
  • Suicide Claim Procedure
  • Claim Settlement Form/National Electronic Funds Transfer (NEFT) Form
  • Travel Insurance Exclusions
  • Claim Settlement Form/National Electronic Funds Transfer (NEFT) Form
  • Authorization for Medical Record - Allianz
  • Authorization for release of medical information from Medical Record - Bajaj
  • Attending Physician Statement
Country
Contact Number
Service Parameters
USA (001)
TAT’s to be calculated from
Maximum TAT
186658 76903
Service Parameters
Canada
TAT’s to be calculated from
Maximum TAT
186691 43705
Service Parameters
Belgium(032)
TAT’s to be calculated from
Maximum TAT
00+800 1002005
Service Parameters
Denmark (045)
TAT’s to be calculated from
Maximum TAT
00+800 1002005
Service Parameters
France (033)
TAT’s to be calculated from
Maximum TAT
00+800 1002005
Service Parameters
Germany (049)
TAT’s to be calculated from
Maximum TAT
00+800 1002005
Service Parameters
Hungary (036)
TAT’s to be calculated from
Maximum TAT
00+800 1002005
Service Parameters
Ireland (353)
TAT’s to be calculated from
Maximum TAT
00+800 1002005
Service Parameters
Italy (039)
TAT’s to be calculated from
Maximum TAT
00+800 1002005
Service Parameters
Malaysia (060)
TAT’s to be calculated from
Maximum TAT
00+800 1002005
Service Parameters
Netherlands (031)
TAT’s to be calculated from
Maximum TAT
00+800 1002005
Service Parameters
New Zealand (064)
TAT’s to be calculated from
Maximum TAT
00+800 1002005
Service Parameters
Norway (047)
TAT’s to be calculated from
Maximum TAT
00+800 1002005
Service Parameters
Philippines (063)
TAT’s to be calculated from
Maximum TAT
00+800 1002005
Service Parameters
Portugal (351)
TAT’s to be calculated from
Maximum TAT
00+800 1002005
Service Parameters
Spain (034)
TAT’s to be calculated from
Maximum TAT
00+800 1002005
Service Parameters
Sweden (046)
TAT’s to be calculated from
Maximum TAT
00+800 1002005
Service Parameters
Switzerland
TAT’s to be calculated from
Maximum TAT
00+800 1002005
Service Parameters
UK (044)
TAT’s to be calculated from
Maximum TAT
00+800 1002005
Service Parameters
Finland (358) - carrier TS
TAT’s to be calculated from
Maximum TAT
990+800 10002005
Service Parameters
Finland (358) - carrier Elisa
TAT’s to be calculated from
Maximum TAT
999+800 10002005
Service Parameters
Hong Kong (852)
TAT’s to be calculated from
Maximum TAT
001+800 10002005
Service Parameters
Israel (972)
TAT’s to be calculated from
Maximum TAT
014+800 10002005
Service Parameters
Singapore (065)
TAT’s to be calculated from
Maximum TAT
001+800 10002005
Service Parameters
So. Korea (082) - carrier Telecom
TAT’s to be calculated from
Maximum TAT
001+800 10002005
Service Parameters
So. Korea (082) - carrier Dacom
TAT’s to be calculated from
Maximum TAT
002+800 10002005
Service Parameters
Thailand (066)
TAT’s to be calculated from
Maximum TAT
001+800 10002005
Service Parameters
Japan (081) - carrier Tele
TAT’s to be calculated from
Maximum TAT
0041-010+800 10002005
Service Parameters
Japan (081) - carrier IDC
TAT’s to be calculated from
Maximum TAT
0061-010+800 10002005
Service Parameters
Japan (081) - carrier NTT
TAT’s to be calculated from
Maximum TAT
0033-010+800 10002005
Service Parameters
Japan (081) - carrier KDD
TAT’s to be calculated from
Maximum TAT
001-010+800 10002005
Service Parameters
Australia (061)
TAT’s to be calculated from
Maximum TAT
0011+800 10002005

Family Travel Insurance: An Overview

When you plan a family trip, you look forward to enjoy each moment to the fullest, without any stress or hassle. Along with finalizing the destination and itinerary, you might also want to be prepared for any unforeseen situations that might occur during travelling. A family travel insurance plan helps you doing so. With a family travel insurance, you and your family members get covered in case of unfortunate events like flight cancellations, baggage loss, medical exigencies etc. A family travel insurance helps you have a worry-free and memorable trip by ensuring that you do not feel stranded in an unknown land.  

 

Features & Benefits of Family Travel Insurance

A family travel insurance provides various benefits, some of which are listed below.

  • Provides financial aids for any medical expenses, evacuation or hospitalization while you are away from home.
  • Reimburses expenses of trip delays/cancellation.
  • Facilitates an instant policy with less documentation and process.
  • Helps you financially in any case of accidents or hijack during travel.
  • You can get assistance round the clock through on-call support.

Similar benefits are offered by our individual travel insurance plan if you decide to explore a new country by yourself. Also, if you are a student pursuing your higher education in a foreign university, you should consider purchasing a student travel insurance plan that will cover your medical expenses and loss of laptop. 

 

Documents required to make a Claim  

The documents required to make a travel insurance claim depends upon the different situation you want to make a claim for. However, there are some general documents you might need to submit: -

  • Duly filled claim form
  • Policy number and the copy of policy
  • Your identity card
  • Proof of your age
  • Loss amount document
  • Copy of tickets and boarding passes
  • Travel dates and other details 

Get answers to all your queries

  • How many members are covered under a family floater plan?

    A family travel insurance covers the entire family for medical emergencies abroad and provides floater benefit to individual family members. The policy covers: self & spouse up to 60 years of age, and two kids below the age of 21 years.

  • What if I am faced with an urgent need of cash while I am travelling abroad? Does this insurance policy provide a cover for the same?

    Our partner Bajaj Allianz provides Emergency Cash Advance under its family travel insurance plans and it is an important feature of a travel policy. It is an assistance service wherein emergency cash is provided to the insured by the insurance company. An insured can seek this assistance in case of incidents like theft/burglary of, his money or his luggage. The insurance company may either provide emergency cash to the insured or co-ordinate with his relatives in India to provide him the needed amount (up to the limit mentioned in the policy document).

  • Does this policy provide a cover in case I lose my Cash or Credit/Debit Card?

    Sorry, but in case of loss of cash, bank/currency notes, cheques, debit or credit cards, the insurance company shall not be liable to pay any benefit to you (policy holder).

  • Are pre-existing diseases covered under this travel insurance policy?

    No. Any claim arising due to any pre-existing medical condition/ailment, whether declared or undeclared is not covered under the family travel insurance policy.

  • Is it mandatory for me to be in India for an international travel policy issuance?

    Yes, it is mandatory for you to be in India for the travel policy issuance.

  • Can I avail any discounts on my premium amount?

    Sorry, but there are no discounts available on the premium amount of your family travel insurance policy.

  • My parents are travelling from India to the US to visit me. Can I buy insurance for them from abroad, and will it be valid?

    Currently, you cannot purchase a policy if you are living outside India as the same is unavailable on our website due to geographic limitations.

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