A Travel insurance policy provides coverage for a traveller’s main concerns which includes trip cancellations, medical emergencies, travel delays, and lost luggage. Most policies are built to be comprehensive to protect travellers from a variety of events that may cause a financial loss before or during their trip.

Travel Insurance Covers a Cancelled Trip - For many travellers, the number one reason to buy travel insurance is for financial protection in case they have to cancel their trip. With Trip Cancellation coverage, you can protect all of your prepaid and non-refundable trip expenses. Trip Cancellation refunds up to a certain sum insured as per your chosen plan if you cancel your trip before leaving for a reason covered by your policy. The company shall indemnify the insured for any overseas trip cancellation for any journey from Republic of India only if the Insured Journey is cancelled due to the following conditions: 

  • Insured’s Death, insured’s serious injury or sudden sickness requiring minimum three day hospitalisation within 07 days before the date of departure which is noted as policy inception date on Policy Copy.  

  • Death of insured’s spouse or parent or child. 

  • Serious injury or sudden sickness requiring minimum three days hospitalisation of the insured’s wife or child (within 07 days before the date of departure which is noted as policy inception date on Policy Copy.) and who were booked to travel with the insured and who is also insured with us.  

  • Inclement Weather conditions like Storm, flood, Hurricanes, or Natural Disaster.  

  • The company shall indemnify the insured for trip cancellation for journey to Republic of India only if the Insured Journey is cancelled due to the following conditions:  

  • Inclement Weather conditions like Storm, Flood, Hurricanes, or Natural Disaster  

Travel Insurance Covers a Medical Emergency - If you get sick or injured while traveling abroad, your health insurance plans won’t extend coverage overseas. However, medical and medical evacuation benefits are built into travel insurance policies, and can cover you in multiple countries while you’re travelling. There are two main travel medical insurance benefits:



Emergency Medical and Medical Evacuation - Emergency Medical coverage can reimburse you for the costs associated with medical treatment for an illness or injury during your trip. This can include coverage for physician services, ambulance services, and hospital charges, among other expenses.  Medical Evacuation is included alongside Emergency Medical coverage. This benefit can arrange for your transportation to the nearest hospital in the event of a medical emergency, and can bring you home if the hospital determines it’s necessary in your situation.  

Travel Insurance Covers a Travel Delay and Missed Connection - Travel insurance covers more than cancellations and medical emergencies; it can also help you if your flight is delayed or you miss your connecting flight. The Travel Delay benefit is available to help if your flight is delayed for a reason outside of your control, such as inclement weather or a mechanical breakdown of your plane. Travel insurance can refund your meals and hotel accommodations during your delay. If the air craft on which the insured has booked his/her ticket/s to travel from Republic of India or travel to Republic of India, is delayed beyond 12 hours than the original scheduled departure time, the Company will pay the sum mentioned in the schedule for every 12 hours delay in excess of 12 hours, subject to the maximum amount mentioned in the schedule. Company shall indemnify only one event of Trip Delay during the policy period.

However the Company will not pay,

For any departure which is delayed as a result of the insured or any other person who have arranged to travel with failing to check-in correctly as required by the airline.  

For any delayed departure caused by strike or industrial action known to exist or was anticipated at the time the trip was booked  

If the air craft is taken out of service on the instructions of the Civil Aviation Authority or other competent statutory authority except due to bad weather conditions.  


Missed Connection  

Subject to all other terms and conditions, if the air craft on which the insured is booked to travel from India is delayed beyond 12 hours than the original scheduled arrival time at the destination of the connecting flight resulting in the insured missing the connecting flight, the company will pay the sum mentioned in the schedule towards missed connection. Claim is admissible under this section only if the trip delay cover triggers. 

Travel Insurance Covers Lost or Delayed Luggage - The travel insurance coverage for your personal items can include lost or damaged items, or delayed luggage (more than 12 hours). If your luggage is lost or delayed, you can be refunded up to the specified limit on submitting a certificate issued by the Airline. 

Other Covers

  • Loss of Passport  

  • Personal Liability  

  • Hijack Cover  

  • Hospitalisation Daily Allowance  

  • Trip Curtailment  

  • Home Burglary Cover  

  • Emergency Cash Benefit  

  • Repatriation  

With the digital first approach, we at Esurance strive to blend in the new way of doing insurance which is fast and convenient for the customers. We are putting our best foot forward in revolutionising the industry with state-of-the-art consumer engagement models, digitised distribution and operations, and a smarter customer experience by embracing big data and analytics.

Whether you are looking to protect yourself, your loved ones or your business, we’ll help you find the right insurance for your specific needs.


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Any advice on this website is general advice only. Please read the relevant product disclosure/ policy wordings to decide whether it suits your needs which can be obtained from Esurance. Esurance is also happy to provide you with further information if required. Esurance recommends that you seek advisory prior to acting upon material contained on this website or any linked site.

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