Travel Insurance - Pocket Plans

Travel brings joy, but unexpected problems can turn it into a stressful experience. Flight delays, lost luggage, or sudden medical issues are more common than you think. Whether travelling solo or with family, these surprises can disrupt your plans. A travel insurance policy helps you stay prepared by covering such emergencies. It may offer protection against trip cancellations, hospital expenses abroad, and baggage loss. Some plans also provide guidance on country-specific travel or visa rules. If you want peace of mind while exploring new destinations, consider buying travel insurance online. It’s a smart way to manage risk and enjoy your trip worry-free.

Travel insurance is a type of general insurance that offers financial protection during domestic or international trips. It helps cover unexpected events such as trip cancellations, medical emergencies, delayed flights, or lost baggage. This is designed to support travellers when things go wrong, whether it’s a small inconvenience or a serious situation like hospitalisation abroad. 

You can choose a travel insurance policy based on your travel purpose—leisure, business, study, or family trips. Most policies are available as bundled packages that include multiple coverage options. Today, many individuals prefer to buy travel insurance online for better convenience, faster policy access, and cost savings.

Key Features of Travel Insurance:

• Covers medical expenses due to illness, injury, or emergencies abroad

• Protects against trip cancellations or delays

• Offers compensation for lost, delayed, or stolen baggage

• May include cover for passport loss or missed connections

• Some plans cover personal liability, rented vehicles, or adventure activity injuries

Travel insurance ensures peace of mind, so you can focus on your journey instead of the risks. 

Here’s a list of travel insurance policies you can explore and buy online—offering features like medical cover, trip cancellation, and more.  

Choose as per your holiday plans and get a personalised travel insurance quote to find the right coverage at the best price on Bajaj Markets.

Every travel insurance policy offers different levels of protection depending on the type of plan and the insurer. While the inclusions may vary, most travel insurance online plans cover a set of standard risks commonly faced during domestic or international trips. Always refer to the policy document for the full list of benefits and exclusions.

• Trip Cancellation or Interruption 

If your trip is cancelled or cut short due to reasons like illness, injury, or the death of a close relative, your travel insurance covers the non-refundable costs. This may include hotel bookings, flight tickets, and other pre-paid expenses. 

• Medical Emergencies Abroad 

Falling sick or getting injured in another country can lead to high treatment costs. A travel insurance policy covers hospitalisation, outpatient treatment, and sometimes dental emergencies during your trip.

• Loss or Theft of Baggage 

Losing your baggage, passport, or important personal belongings can be highly stressful. Your insurer will compensate for the loss and assist with getting a temporary passport or travel documents, if needed. 

• Emergency Evacuation 

In case of natural disasters, political unrest, or serious medical issues, your policy can cover emergency evacuation. This includes transportation to the nearest medical facility or repatriation to India, depending on the situation. 

Before selecting a plan, compare benefits and request a travel insurance quote to ensure it meets your travel needs. 

Buying your travel insurance online offers clear and smart advantages. It's simple, fast and gives you full control over selecting the right plan. Here are the key benefits: 

• Convenient comparison: You can compare multiple plans side‑by‑side from home. This makes it easier to pick the best fit for your trip needs.
• Instant policy issuance: Once you complete payment, the policy is issued immediately—no paperwork or waiting time
• Lower premium costs: Buying online cuts out agent commissions and operational expenses, often resulting in more affordable travel insurance premiums.
• Detailed plan information: All coverage details, policy limits and exclusions are clearly displayed online. This ensures informed decision‑making before you buy

Eligibility varies by plan, but certain documents are mandatory when buying travel insurance online in India. These include your passport, valid visa, PAN or Form 60/KYC, and proof of income or tax statements. 

• International travel insurance plan and family travel insurance plan

These plans can cover adults aged up to 60 years for single-trip plans and annual multi‑trip plans. Family plans typically cover up to two adults (below 60 years) and two dependent children (up to 21 years). 

• Senior citizens

Special plans are available for travellers of up to 85 years of age. Note that senior citizens do not need to undergo any medical tests to get the cover. 

• Student Travel insurance

These are meant for Indian students going abroad for education. Applicable age range is usually 16 to 35 years, with valid student visa and admission proof required. 

• Schengen Travel Insurance

This type of insurance is available for leisure travel and business only, and separate visa requirements may be applicable. It is required for Schengen visas with minimum €30,000 (approximately $33,000) medical coverage. Adults should be aged between 18 and 70 years, while dependent children may be insured up to 25 years in some policies. 

A well-chosen travel insurance plan offers more than just basic coverage—it gives you peace of mind when you're far from home. Here are the key benefits to consider: 

• Mandatory for Visa in Many Countries 

Several countries require proof of travel insurance. Without it, your visa application may be delayed or even rejected. 

• Quick and Easy Online Purchase 

Buying travel insurance online is simple and hassle-free. It takes only a few minutes, and you can do it from anywhere in the world. 

• Affordable Premiums with Wide Coverage 

Due to increasing competition, most travel plans are now priced reasonably. Online purchases may also offer discounts on your trip insurance. 

• Global Emergency Support 

If you're facing a crisis abroad, travel insurance provides 24x7 assistance and financial support for emergencies like natural disasters or personal accidents. 

• Cashless Medical Services Abroad 

Many travel insurance plans offer cashless treatment at network hospitals overseas. You can also opt for coverage of pre-existing illnesses and medical evacuation. 

• Compensation for Travel Disruptions 

Whether it's a cancelled flight, delayed luggage, or lost baggage, a good policy covers these losses and helps manage your travel plans smoothly. 

• Non-Medical Assistance Benefits 

Additional benefits may include reimbursement for a lost passport, trip interruption, or hotel cancellations due to unforeseen events.

Travel insurance is more than an optional extra—it is a necessary safeguard that protects both your finances and peace of mind while abroad or even on domestic trips. Here are the key reasons to consider investing in a quality travel insurance plan:

• Protection Against Unforeseen Medical Costs 

Medical emergencies abroad can be financially crippling. Travel insurance covers hospitalisation, doctor visits, and emergency treatments when your domestic health policy does not apply outside India. 

• Refund for Trip Cancellations or Delays 

Unexpected illness, natural disasters, or travel disruptions can lead to expensive cancellations. A travel plan reimburses non-refundable costs, reducing your financial loss.

• Compensation for Baggage Loss or Delay 

Lost or delayed belongings may ruin your travel experience. Travel insurance reimburses for essentials and compensates for lost baggage, including passports or travel documents. 

• Emergency Assistance and Evacuation Support 

In a crisis such as natural disasters or civil unrest, travel insurance can fund medical evacuation, repatriation, and emergency travel arrangements—ensuring you’re not stranded abroad. 

• 24×7 Global Help and Service 

Most Indian insurers offer round‑the‑clock assistance—from finding local hospitals to arranging lost passport replacement. This support gives confidence in unfamiliar destinations. 

• Cost-Effective Security 

Travel insurance premiums often cost only 4–10% of your total trip expense. Yet, they protect against losses many times greater due to disruptions or health emergencies abroad. 

• Compliance with Visa Requirements 

Many countries, including Schengen states, require valid travel insurance before granting a visa. Having proper coverage ensures smooth visa acceptance and travel planning. 

Choosing the right travel insurance plan matters significantly. Below are key factors to review when selecting the ideal travel policy for your trip.

• Frequency of Travel 

If you travel several times a year, opt for a multi-trip or annual plan. It costs less overall and offers convenience across multiple journeys. 

For example: if you are a frequent traveller you can opt for a multi-trip or annual travel plan that will cost you less. 

• Trip Duration 

Longer trips typically attract higher premiums. Choose a policy that matches your travel days to avoid paying for extra coverage. 

• Medical and Health Conditions 

Your age, medical history, and pre-existing illnesses affect coverage eligibility. Be transparent to avoid claim rejections or exclusions.

• Destination of Travel 

Medical costs and risks vary by country. For example, Europe usually carries higher healthcare expenses than South Asia. Match coverage and insured sum accordingly.

• Itinerary and Activities 

If you plan adventure sports like trekking or skiing, ensure these activities are covered, or add optional adventure cover to your policy.

• Sum Insured and Coverage Limits 

Know the exact coverage amounts for medical expenses, baggage, evacuation, and personal liability. Higher limits match higher premiums.

• Claim Process and Assistance Services 

Look for insurers with clear claim procedures, cashless hospital facilities, and 24×7 support while travelling.

• Insurer Reputation 

Review customer ratings and claims settlement ratios before deciding. A reputable insurer can make a big difference during emergencies.

• Policy Flexibility 

Flexible plans allow for varying travel durations and easy extensions. Some policies, especially family or student plans, offer customisable benefits.

• Exclusions and Fine Print 

Always read exclusions carefully—especially those related to high-risk activities or pre-existing health conditions—to understand what is not covered. 

For example, a lot of companies exclude reimbursement for medical emergencies caused by adventurous sports like trekking. In this case, you might have to pay extra to add these services to your plan. 

Buying a travel or trip insurance policy can be done easily if you know your requirements and the budget to be invested. Comparison of travel plans can be done very easily through online modes. To find the best travel insurance plan in India for your next trip, you just need to calculate your budget, estimate your needs and search for a plan that can suit you the best.

Having a good travel insurance policy will not only help you with the physical coverage but also give you mental peace when you are travelling. Now you know the recipe for a good trip, just buy your most-suited travel insurance plan, pack your bags and leave all your worries behind.