Travel Insurance

A short-term medical + trip-disruption policy that covers you in case of hospitalization, lost luggage, or trip cancellation while abroad.

Travel insurance is a short-duration policy bought before your trip that pays out for medical emergencies, trip cancellation, lost baggage, and personal liability while abroad.

**Schengen Visa**, €30,000 medical coverage is a hard requirement. No insurance, no visa.
**Russia, Saudi Arabia**, required for visa.
**Cuba**, verified at airport on entry.

USA / Canada, hospitalization is ₹50,000+/night; one ER visit can wipe out a year's savings.
Trekking trips (Nepal, Bhutan), helicopter evacuation costs ₹2–5L.
Beach + adventure trips (Bali, Thailand), motorbike accidents are the #1 traveler emergency.

**Medical coverage ≥ ₹50L** for USA/Europe; ₹20–30L for Asia
**Pre-existing condition cover** if you have any, not all policies include
**Adventure sports rider** if you'll bike/surf/dive/trek above 3000m
**Trip cancellation** ≥ ₹50,000, covers your booking if visa rejection or family emergency
**24x7 assistance number**, actually test it before flying

**SafetyWing Nomad Insurance**, ₹1,400/4 weeks; renewable; covers 180+ countries
**Tata AIG Travel Guard**, ₹1,800–4,500 by duration; Schengen-compliant
**Bajaj Allianz Travel Elite**, comparable to Tata AIG; better claims process
**HDFC ERGO**, cheapest sticker price, but slowest claims

Always email yourself the policy PDF and emergency number. Print one copy and slip into your passport, useful if your phone is dead at the embassy/hospital.