International Travel Insurance

The premium on your travel insurance depends upon your destination and the duration of your stay. The age of the insured person and the different types of plans chosen play a vital role in deciding the cost of the international travel insurance policy.

Your policy cover starts from the immigration counter of your home country and ends once you return after your vacation and complete your immigration formalities. This is why you cannot buy travel insurance while you are abroad. Therefore, travel insurance purchased after the commencement of the journey is not considered valid.

Once abroad, you can extend your travel insurance policy if it is still valid. However, remember you can only extend your existing policy. You cannot buy one while you are away.

Yes, you can buy the travel insurance policy even at the last minute. So even if it's your departure day and you're not insured, you can buy a travel insurance cover.

Yes, you can seek doctor help when you are abroad, as international travel insurance policies cover medical expenses.

If you are travelling to Schengen countries, buying travel insurance is a must to get a visa. Apart from this, many countries have mandatory travel insurance for getting a visa. Therefore, it is advisable to check the visa requirement of every nation before travelling.

Yes, you can get a refund for trip cancellation if you cancel the journey before the departure date due to unforeseen conditions like an emergency at home, the sudden death of a family member, political turmoil or a terrorist attack. A complete refund of your premium is possible in such situations after the cancellation of the policy.

Total policy period, including extensions, shall not exceed 360 days.

Yes, it is advisable to secure your jour with a travel insurance policy before booking a flight abroad. You can do so by going with a multi trip insurance plan that will save you from the hassle of purchasing travel insurance each time you make a trip and it also proves to be cost-effective.

Yes, you can buy overseas travel insurance after booking a flight, even on the day of your departure. However, it is advisable to buy the travel insurance cover within 14 days of booking your holiday.

You can reschedule your policy free of cost; however, the extension of the policy will affect the cost. The increase in cost will depend upon the number of days you extend.

No, you will not get a partial refund if you return to India earlier than the scheduled date.

Yes, it covers the cost of dental treatment. In addition, international travel insurance covers the costs of emergency dental work up to $500* arising out of an accidental injury.

Yes, it will provide coverage for injury caused while travelling on a ship or train overseas.

Suppose you extend your stay on the last day of your trip due to a medical emergency, accident, or injury. In that case, you can extend your travel insurance policy for 7 to 15 days without paying any premium. 

Yes, it is possible to file a claim after travelling back to India. However, remember you need to file the claim within 90 days of any unfortunate event like a medical emergency or loss of documents, except if otherwise stated by your insurer.

The insurer's soft copy mailed to you is enough to work as proof for your travel insurance. However, it is advisable to jot down your policy number and, more importantly, have our 24-hour assistance telephone number with you, so you can contact us if you need our help while you're away.

Call our emergency travel assistance partner on the 24-hour alarm centre for travel, medical advice, and assistance during your trip.

• E-mail: travelclaims@hdfcergo.com

• Toll free number (globally): +80008250825

• Landline (chargeable):+91-120-4507250

Note: Please add the country code while dialing the contact number.

Travel insurance coverage starts at the immigration counter of the home country and continues until the immigration is completed after returning to the home country.