About Single Trip Travel Insurance Policy

Single trip insurance policies are apt if you are making not more than one trip an year. As opposed to a single trip travel insurance policy, an annual travel insurance policy covers you for an entire year from the policy start date. Multi-trip policies are best suited for frequent travelers.

Coverage offered by a Single Trip Travel Insurance Policy

Here are some the risks that are covered under the single trip travel insurance policy.

1. Medical cover including repatriation and medical evacuation
2. In case of hospitalization, daily allowance will be provided.
3. Emergency dental treatment costs
4. Loss of checked-in baggage
5. Emergency cash advance in case of theft of money
6. Delay of checked-in baggage
7. Missed flight connection and trip curtailment
8. Burglary cover for contents of the home in India
9. Expenses incurred for compassionate visits
10. Personal liability cover
11. Loss of passport and other travel documents
12. Trip interruption and cancellation
13. Evacuation due to political risks and evacuation
14. Accidental death in a common carrier
15. Fire cover for contents and structure of the home in India
16. Hijack distress allowance

Please refer your policy wordings carefully to understand the inclusions and exclusions before purchasing a single trip travel insurance policy.

Exclusions in a Single Trip Travel Insurance Policy

The following perils are risks are generally excluded from a single trip travel insurance policy cover.

1. Claims arising due to pre-existing medical conditions
2. Venereal diseases
3. Injuries caused by sporting activities and adventure sports
4. Naturopathy, homeopathic and ayurvedic treatments
5. Loss or damage due to radiation and nuclear weapons
6. Claims arising out of HIV, AIDS and other sexually transmitted diseases
7. Mental disorder, depression and anxiety
8. Loss of passport, travel documents and baggage which was unattended or unreported to the local police authorities is excluded

Do enquire with your insurance provider about a comprehensive list of policy exclusions for your travel insurance policy type.

Claims Process for Single Trip Travel Insurance Policy

1. To file a claim. Get in touch with your insurance provider via mail, e-mail, via fax or through the toll-free number.
2. You will be required to submit a duly filled claims form to your insurer at the earliest.
3. Based on the nature of claim and type of accident, your insurer will brief you about the supporting documents required for the claims process.
4. Keep general documents like policy copy, boarding pass, original receipts, doctor prescriptions, medical bills, passport and First Information report copy, if applicable, to speed up the claims process.