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.