Family Travel Insurance

Yes, we do cover trip cancellation. In case of trip cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities.

Yes, you will be able to claim this under personal liability section of the policy.

This benefit will reimburse the insured person the cost for the purchase of necessary personal effects like toiletries, clothing, medication etc. while the delay of checked baggage has occurred.

This benefit will reimburse the insured person the cost of replacement of the articles if the checked in baggage are permanently damaged or lost.

No, if later the baggage and/or personal belongings are lost, then any amount claimed and paid to an insured person under the baggage delay section will be deducted from any payment under the baggage loss section.

Yes, emergency dental treatment is covered on reimbursement basis.

Since delay of checked-in baggage reimburses the cost of purchage of personal effects, you may not incur these expenses when you return back home. Loss of checked in baggage is covered both ways, whereas delay of checked-in baggage is covered only one way for obvious reasons.

As the name goes single trip multi insurance is for all those who intend to explore places just one a year probably, it could be for a leisure trip or a business conference. Multi trip insurance is generally taken on annual basis and it suits all those who wish to travel internationally frequently. Basically, not just once but on frequent basis. This helps in avoiding renewals and buying a new policy everytime you fly overseas. You buy a travel insurance policy for once and keep travelling for an entire one year.

If you wish to compare travel insurance plan to get the best family travel insurance all you need to do is compare coverage and check the premium to find if you are getting maximum coverage at an affordable premium to get the most suited travel insurance plan.

Every travel insurance plan comes along with a set of coverages and exclusionsIn a nutshell, any travel insurance plan that covers medical expenses due to injury or illnes in an international destination along with emergency expenses due to flight delay or loss of luggage is most suited for your family. However, also check on the brand and its customers who have got themselves covered before choosing the best travel insurance plan.

When buying a family travel insurance policy, you would have to provide HDFC ERGO with the following details -

● Your name and contact details

● The name and age of all family members travelling with you

● Relationship with the travelling members

● Countries of visit

● The trip duration

● Your passport details

● The plan variant that you want

● Any pre-existing condition or medical illness you or any family member is suffering from

● Any other details required by the insurance company

Based on these details, your travel insurance policy would be underwritten and issued.

No, HDFC ERGO offers family travel insurance plans for members aged up to 70 years.

In the case of medical emergencies, you should contact HDFC ERGO's TPA Alliance Global Assist. If you want the cashless settlement of claims, you should visit the hospitals tied up with the TPA and the insurance company. On the other hand, if you are okay with reimbursement claims, you can visit any hospital. Once you inform HDFC ERGO's TPA, the TPA would guide you about which hospital to visit.

Currently, we do not offer extension of trip

A pre-existing medical condition is an ailment that you might suffer from when buying a travel insurance policy. For instance, if you or any family member is a diabetic or suffers from hypertension, such ailments would be considered a pre-existing medical condition.

No, pre-existing medical conditions are not covered under travel insurance plans. If you suffer any medical complication on the trip which is due to such pre-existing condition, the coverage would not be allowed.

Yes, you can cancel your family travel insurance plan after buying it. However, this cancellation is allowed before the trip has started provided you have not made any claims on the plan. It is important to note that cancellation charges will apply on cancelling the travel insurance policy.

Our international travel insurance policy covers multiple family relationships hence you can insure up to 12 immediate family members

Policy cannot be offered if the customer has already travelled abroad.

Yes, you can buy a travel insurance plan for your parents from the US. The plan would be valid. However, here are some points to note

● The premium should be paid in INR

● If there is a requirement for pre-entrance health check-ups, your parents should undergo such check-ups in India after which the policy would be issued

You can renew the travel insurance plan online through HDFC ERGO's website. Visit https://www.hdfcergo.com/renew-hdfc-ergo-policy and enter your registered mobile number, email ID or policy number. Click on 'Renew Now' and follow the process to renew the plan within minutes. However, renewal is allowed only for annual multi-trip policies. Single trip policies cannot be renewed.