Travel With Confidence,
Wherever You Go

Travel insurance helps protect against medical emergencies, trip disruptions, baggage loss, and unexpected travel expenses while you’re away from home.

Whether you’re travelling for leisure, education, or business, the right protection can provide financial support when plans don’t go as expected.

Many travellers purchase insurance only because it’s required for visa applications.
However, overseas medical emergencies, trip cancellations, baggage delays, and emergency evacuations can result in significant expenses without adequate protection.

This guide helps travellers understand what matters when comparing travel insurance plans.

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Who Typically Needs Travel Insurance?

✓ International Travellers

✓ Students Going Abroad

✓ Business Travellers

✓ Frequent Travellers

✓ Schengen Visa Applicants

✓ Senior Citizens Travelling Overseas

UNC Recommended Plans

Plans Commonly Considered For Domestic & International Travel
Plan
Highlights
Suitable For
Tata AIG Travel Guard
Overseas Medical Coverage
Trip Cancellation Protection
Lost Baggage Benefits
24×7 Global Assistance
International leisure and business travellers seeking comprehensive protection throughout their journey.
ICICI Lombard Travel Insurance
Medical Emergencies Abroad
Passport Loss Assistance
Trip Delay Benefits
Worldwide Cashless Support
Families and frequent travellers looking for balanced medical and travel disruption coverage.
Care Explore Travel Insurance
Emergency Hospitalization
Travel Inconvenience Cover
Digital Claims Experience
Flexible Sum Insured Options
Cost-conscious travellers seeking reliable international travel protection with a simple digital experience.
Coverage limits, destination eligibility, pre-existing condition terms, adventure activity benefits, claim assistance, and policy exclusions vary between insurers and individual plans. Always review the policy wording before purchasing.

Insurance made simple. Expert advice, tailored to your needs.
Book a free consultation or chat on WhatsApp with a UNC Insurance advisor.

Typical Premium Range

Indicative Premiums By Travel Type
Travel insurance premiums vary based on destination, trip duration, traveller age, coverage limits, and optional benefits selected.
Travel Type
Typical Premium Range
Domestic Travel
₹300–₹1,000
International Leisure Travel
₹800–₹5,000
Student Travel Plans
₹8,000–₹40,000
Annual Multi-Trip Plans
₹5,000–₹25,000
Premiums are indicative and may vary depending on destination country, traveller age, trip duration, medical coverage selected, pre-existing medical conditions, and insurer underwriting guidelines.
What travel insurance protects you from

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Checklist before buying travel insurance

What To Look For

Medical Emergency Coverage

Often the most important component of travel insurance.


Emergency Assistance Services

Support during emergencies can be just as valuable as financial coverage.


Trip Cancellation Benefits

Useful when travel plans change unexpectedly.


Baggage Protection

Coverage for lost, delayed, or damaged baggage.


Visa Compliance

Important for Schengen and certain international destinations.


UNC Advisor Insight

Many travellers buy the cheapest policy simply to meet visa requirements. Medical coverage limits and emergency assistance services often determine the real value of a travel insurance plan.

Frequently
Asked
Questions

UNC
Is travel insurance mandatory? +
Travel insurance is mandatory for entry into certain countries and visa categories, while for others it remains optional. Even when not required, it can provide financial protection against unexpected medical emergencies and travel disruptions.
What does travel insurance usually cover? +
Coverage commonly includes overseas medical emergencies, hospitalization, trip cancellation, trip delays, baggage loss or delay, passport assistance, and emergency evacuation. Benefits vary depending on the insurer and policy selected.
Does travel insurance cover medical emergencies abroad? +
Yes. Most international travel insurance plans include emergency medical treatment and hospitalization abroad, subject to the policy’s coverage limits, exclusions, and terms.
Can I buy travel insurance after booking my tickets? +
Yes. Travel insurance can usually be purchased after booking flights, provided the policy is issued before the trip begins and meets any destination-specific requirements.
Does travel insurance cover trip cancellation? +
Many travel insurance policies provide trip cancellation benefits for specified unforeseen events. The reasons covered and reimbursement limits differ between insurers.
What happens if my baggage is delayed or lost? +
Eligible travel insurance plans may compensate for delayed, lost, or stolen baggage, subject to policy limits, documentation requirements, and claim conditions.
Are adventure sports covered? +
Adventure activities are not automatically covered under every policy. Some insurers offer optional coverage or apply exclusions for high-risk sports and activities.
Does travel insurance cover pre-existing medical conditions? +
Coverage for pre-existing medical conditions varies by insurer. Many policies exclude them, while some may provide limited benefits under specific circumstances.
How should I compare travel insurance plans? +
Compare overseas medical coverage, claim assistance, baggage protection, trip cancellation benefits, emergency evacuation, exclusions, destination eligibility, and policy limits rather than premium alone.
Does travel insurance provide 24×7 assistance? +
Most comprehensive travel insurance plans include access to a 24×7 emergency assistance helpline for medical support, travel guidance, and claim-related assistance while travelling.
Are domestic and international travel policies different? +
Yes. International travel insurance generally provides overseas medical protection and travel-related benefits, while domestic plans focus primarily on travel disruptions, accidents, and selected medical emergencies within India.
Can UNC Insurance help compare travel insurance plans? +
Yes. UNC Insurance advisors can compare travel insurance plans, explain destination-specific coverage, medical protection, waiting periods, exclusions, and help you choose a policy that matches your travel requirements.

Customer Reviews

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I had a very smooth experience. Everything was explained clearly and patiently, which made it much easier to understand my options. I appreciated the transparency and the fact that there was never any pressure during the process.

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Rahul S.
★★★★★

What stood out the most was the responsiveness and professionalism. Every question was answered in a simple manner, and the entire experience felt trustworthy from start to finish.

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Priya M.
★★★★★

I was looking for guidance rather than a sales pitch, and that is exactly what I received. The explanations were easy to understand and helped me make a more informed decision.

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Amit K.
★★★★★

Great service and clear communication. Everything was explained in a practical way, and I always felt supported whenever I needed assistance.

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Pooja T.