Emergency medical treatment
Eligible treatment for a sudden covered illness or injury during the insured journey, within limits and conditions.
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Protection for the journey you planned
Travel prepared.
Understand your cover.
Compare domestic and international travel insurance options for policy-defined medical, disruption and baggage events.
Domestic & overseasJourney-specific options
Emergency medicalPolicy limits apply
Trip disruptionCovered reasons only
Claims assistanceInsurer decides claims
01Know what you are buying
Travel insurance is a contract—not a promise that every loss will be paid.
The policy wording, schedule, limits, excess, covered reasons and exclusions determine whether a claim is payable.
SeeMyTrip can help travellers compare available plans and understand key features. The insurer underwrites the risk, provides the policy, controls assistance services and assesses every claim. Coverage is never created by a website summary, sales conversation or travel booking.
02What a policy may cover
Protection has
defined boundaries.
Benefits differ by insurer and plan. Always check the exact policy schedule and wording issued in the traveller’s name.
Emergency evacuation
Policy-authorised movement to an appropriate medical facility when medically necessary and covered.
Trip cancellation
Non-recoverable eligible costs following a specifically listed event before departure—not a change of mind.
Trip interruption
Eligible additional travel or unused arrangements when a covered event forces an early return or disruption.
Baggage events
Loss, theft, damage or delay may be covered subject to reports, item limits, depreciation and exclusions.
Travel delay or missed connection
Policy-defined reimbursement after the required delay period and for accepted reasons, supported by evidence.
03Plans for different journeys
Single-trip cover
For one defined domestic or international journey within the policy’s start and end dates.
Annual multi-trip
For frequent travellers, with a maximum duration and conditions applying to each individual journey.
Family travel
Options for eligible family members, with individual or shared limits depending on the product.
Student travel
Longer-duration options that may include study interruption, sponsor protection or other defined student benefits.
Senior travellers
Age-eligible products where medical history, sub-limits, co-payments or additional underwriting may apply.
Group & corporate travel
Policies arranged for eligible tour groups, organisations or employee journeys under agreed terms.
04Medical cover overseas
Call the assistance provider as early as possible.
In an emergency, seek urgent care first where delay would be unsafe. Then contact the insurer or assistance company using the details in the policy.
Cashless or reimbursement
Network, authorisation and local arrangements determine whether direct billing is available.
Pre-authorisation
Hospital admission, evacuation or major treatment may require insurer approval except in a critical emergency.
Medical documentation
Diagnosis, prescriptions, reports, invoices, proof of payment and treating-doctor records may be required.
Medical repatriation
The insurer and medical assistance team determine necessity, timing and suitable transport under the policy.
05Common exclusions and restrictions
Pre-existing conditions
Existing illnesses, symptoms or treatment may be excluded or covered only under explicit, limited terms.
Known or foreseeable events
Events already announced, expected or known when cover is purchased may not qualify.
Alcohol, drugs and unlawful acts
Loss connected to intoxication, non-prescribed drugs, fraud or illegal conduct may be excluded.
Adventure and hazardous activities
Trekking altitude, skiing, diving, motorsport and similar activities may need specific cover or remain excluded.
Unattended belongings
Items left unsecured, checked valuables or missing without the required carrier or police report may not be paid.
Undeclared circumstances
Incorrect age, destination, medical history or journey purpose can affect coverage and claims.
06Choosing a suitable policy
Compare the details behind the premium.
A lower price can mean lower limits, narrower covered reasons, higher excess or more restrictive conditions.
Destination & duration
Confirm every country, transit point and the full journey dates are within the geographical and time limits.
Medical limit & excess
Check the maximum benefit, what you pay first and any age-related sub-limits or co-payment.
Planned activities
Declare cruises, sports, trekking, work, study or other activities and obtain appropriate cover.
Cancellation exposure
Consider prepaid non-refundable costs and whether the policy lists the events most relevant to you.
07If something goes wrong
Notify, document and follow the policy process.
Timely evidence helps the insurer understand what happened and assess the claim.
- 01Protect health and property
Seek necessary care, reduce further loss and contact emergency services where appropriate.
- 02Notify the right party
Contact the insurer’s assistance line and inform the airline, hotel, police or carrier when relevant.
- 03Collect evidence
Keep reports, confirmations, receipts, invoices, medical records, photographs and correspondence.
- 04Submit within time
Complete the insurer’s claim form and provide documents within the policy deadline.
- 05Respond to queries
Supply genuine additional information requested by the insurer and retain copies.
08Evidence commonly requested
Policy & identity
Policy schedule, passport or identity record and travel dates.
Travel proof
Tickets, boarding passes, itinerary and provider confirmations.
Incident report
Airline property report, police report, delay certificate or cancellation reason.
Financial records
Original invoices, receipts, card statements and proof of payment or refund.
Medical records
Diagnosis, clinical notes, prescriptions, test reports and discharge summary.
Communication
Emails, messages and reference numbers from the insurer and travel providers.
09Before departure
Carry the policy—not only the booking confirmation.
- Save the emergency numberKeep it available offline and share it with a companion.
- Read the wordingKnow key benefits, exclusions, excesses and claim deadlines.
- Declare accuratelyAnswer health, age, destination and activity questions truthfully.
- Carry essential medicationFollow airline and destination rules and bring relevant prescriptions.
- Retain recordsKeep policy, passport, bookings and emergency contacts securely accessible.
10Roles and responsibilities
The insurer decides whether a claim is payable.
SeeMyTrip may help compare or facilitate insurance products offered by authorised providers and may assist with basic claim routing. We do not underwrite risk, provide medical advice, control assistance networks or approve claims.
The issued policy and applicable law govern the insurance relationship. Travellers should review the insurer’s identity, grievance process, policy wording and schedule before purchase.
Grievance & customer support ↗11Travel insurance FAQs
Helpful answers before you buy.
Is travel insurance mandatory?
Some destinations, visas, tours or institutions may require specified cover. Even when optional, consider the financial risks and always check current official requirements.
When should I buy the policy?
Purchase before departure and consider buying soon after making non-refundable commitments. Some cancellation benefits depend on timing and known events.
Are pre-existing illnesses covered?
Coverage varies. Many policies exclude them or provide only limited emergency benefits. Disclose medical information accurately and read the definition carefully.
Does insurance cover every flight cancellation?
No. Payment normally requires a reason listed in the policy, eligible financial loss, supporting evidence and compliance with all conditions.
Is baggage delay the same as baggage loss?
No. Delayed baggage benefits may reimburse defined emergency purchases after a waiting period, while permanent loss follows different limits and evidence rules.
Can I buy cover after leaving India?
Many policies must be issued before departure. Where post-departure purchase is permitted, waiting periods or restrictions may apply.
Who settles my claim?
The insurer assesses and settles or rejects the claim under the policy. SeeMyTrip cannot promise an outcome or override the insurer.
Protect the journey thoughtfully