Travel insurance

Travel Insurance

Explore comprehensive travel insurance plans for a seamless expedition!

Travel Insurance
COVID-19 covered

COVID-19 covered

Instant policy No medical test

Instant policy No medical test

24/7 Around the clock assistance

24/7 Around the clock assistance

Cashless facility Worldwide

Cashless facility Worldwide

Key Features of Zurich Kotak Travel Insurance

Cashless hospitalisation

Cashless hospitalisation

Cashless hospitalisation

Enjoy cashless hospitalisation benefits for unforeseen circumstances with travel insurance during a trip.
Reasonable premiums

Reasonable premiums

Reasonable premiums

With reasonable travel insurance premium, you can get coverage for medical emergencies and trip cancellations.
No upfront payment

No upfront payment

No upfront payment

No upfront payment is required in case of medical emergencies with travel insurance.
Easy claim process

Easy claim process

Easy claim process

Travel insurance provide quick, convenient access to policies, and customer support with minimum paperwork.
Quick claim settlement

Quick claim settlement

Quick claim settlement

Ensure quick claim settlement for peace of mind and financial stability with travel insurance.
Cashless hospitalisation

Cashless hospitalisation

Cashless hospitalisation

Enjoy cashless hospitalisation benefits for unforeseen circumstances with travel insurance during a trip.
Reasonable premiums

Reasonable premiums

Reasonable premiums

With reasonable travel insurance premium, you can get coverage for medical emergencies and trip cancellations.
No upfront payment

No upfront payment

No upfront payment

No upfront payment is required in case of medical emergencies with travel insurance.
Easy claim process

Easy claim process

Easy claim process

Travel insurance provide quick, convenient access to policies, and customer support with minimum paperwork.
Quick claim settlement

Quick claim settlement

Quick claim settlement

Ensure quick claim settlement for peace of mind and financial stability with travel insurance.

Reasons to buy Zurich Kotak travel insurance plan

Purchasing travel insurance is a wise decision that can save you from financial losses and stress, allowing you to enjoy your trip. Know why you need to have travel insurance:

1. Protects from medical expenses
2. Covers delayed/missed flight
3. Protects checked-in-baggage
4. Allows compassionate visit
5. Covers trip cancellations

Types of travel insurance plans

Single-trip travel insurance

Single-trip travel insurance is designed to cover one specific journey, from the start date until you return home. It is ideal for occasional travellers who do not travel frequently throughout the year. This plan typically includes coverage for medical emergencies, trip cancellations, delays, and baggage loss. Once the trip ends, the policy expires. It offers a simple and cost-effective solution for those planning a one-time holiday or business trip without the need for long-term coverage.

Annual multi-trip insurance

Annual multi-trip insurance covers multiple trips within a year under a single policy. It is well-suited for frequent travellers who take several journeys throughout the year for leisure or business. Each trip is usually limited to a certain duration, such as 30 or 60 days. This plan removes the need to purchase separate insurance for every trip, saving time and effort. It also ensures continuous coverage, making it a practical and efficient option for regular travellers.

International travel insurance

International travel insurance covers you when travelling outside your home country. It typically includes protection for medical emergencies, hospitalisation, trip delays, lost baggage, and emergency evacuation. Many plans also meet Schengen visa requirements, which means they provide the minimum medical cover needed for travel across Schengen countries in Europe. This type of insurance is essential for overseas trips, as healthcare costs abroad can be very high. It ensures you are financially protected and can access necessary support in unfamiliar environments.

Family travel insurance

Family travel insurance provides coverage for all family members under one policy, making it a convenient and cost-effective option for group travel. It typically covers medical emergencies, trip disruptions, and baggage-related issues for each insured member. This plan ensures that the entire family is protected during the trip, including children. It simplifies policy management and often comes at a lower cost compared to buying individual plans for each person, making it ideal for holidays with loved ones.

Senior citizen travel insurance

Senior citizen travel insurance is specially designed for travellers above a certain age, usually 60 years and above. It offers coverage for age-related health risks, including medical emergencies, hospitalisation, and sometimes pre-existing conditions, depending on the policy. Given the higher health risks associated with older travellers, this plan provides added security and support during trips. It ensures access to proper medical care abroad and helps manage unexpected expenses, allowing seniors to travel with greater peace of mind.

Student travel insurance

Student travel insurance is customised for students travelling abroad for education. It provides long-term coverage, often lasting for the duration of the course. The plan typically includes medical expenses, emergency evacuation, loss of passport, and sometimes study-related interruptions. Some policies also cover personal liability and accommodation issues. It is designed to meet the unique needs of students living in a foreign country, ensuring they are protected throughout their academic journey.

Business travel insurance

Business travel insurance is designed for professionals travelling for work-related purposes. It covers common travel risks such as medical emergencies, flight delays, and lost baggage, along with additional features like coverage for loss of business equipment or important documents. Some plans may also include protection against trip cancellations due to work commitments. This type of insurance ensures that business travellers can focus on their work without worrying about unexpected disruptions or financial losses during their trips.

Don't overspend on travel insurance

Compare plans with us

Medical Cover

Excel

Prime

Medical Expenses -Accident and Illness

Medical Expenses -Accident and Illness

Daily Allowance

Daily Allowance

Medical Evacuation

Medical Evacuation

Repatriation of Mortal Remains

Repatriation of Mortal Remains

Dental Expenses

Dental Expenses

Compassionate Visit

Compassionate Visit

Adventure Sports Cover *

Adventure Sports Cover *

Trip Extension (Overseas) *

Trip Extension (Overseas) *

Waiver of Sub-limits *

Waiver of Sub-limits *

Addition of Co-pay *

Addition of Co-pay *

Medical Expenses - Accident Only *

Medical Expenses - Accident Only *

Pre-existing Disease cover *

Pre-existing Disease cover *

Home to Home Cover *

Home to Home Cover *

Waiver Of Deductible *

Waiver Of Deductible *

Cut the wait time

Intimate Claim

Intimate Claim

Quick Verification

Quick Verification

Instant Settlement

Instant Settlement

Download Now

How can I make a Zurich Kotak travel insurance claim?

1
To initiate a cashless claim, contact us on below 24x7 helpline number for assistance and registering the claims EUROP ASSISTANCE INDIA PRIVATE LIMITED Contact number for cashless claims (Overseas) - For USA – 1833 470 4228 (toll free) - For rest of the world - +91 22 67347863 / +91 22 69635366 - In India - +91 22 67347863 / +91 22 69635366 Email Id – zurichkotakclaims@europ-assistance.in
2
Take a pre-authorisation in case of a planned hospitalisation by informing us 5 days prior to admission
3
In case of unplanned hospitalisation, intimate us about your claim within one day or as soon as is reasonably possible but in any case, before discharge from the Hospital
4
Visit any hospital & use our Policy Certificate to avail cashless facility

How to calculate travel insurance quote online?

Getting a travel insurance quote online is quick and hassle-free with Zurich Kotak General Insurance. Our intuitive travel insurance premium calculator helps you estimate your policy cost in just a few clicks.

Steps to calculate your travel insurance premium online

Go to the Zurich Kotak General Insurance website and navigate to the Travel Insurance Quote section.
Enter Your Travel Details: Fill in your trip information – including travel destination, start and end dates, and trip frequency (single or multiple trips in a year).
Add Traveler Information: Provide basic details like the age of each traveler and the number of people to be insured.
Choose Your Coverage Options: Select the plan type and add-ons (such as baggage loss, medical cover, trip cancellation) based on your travel needs.
Get Your Quote Instantly: The calculator will instantly show your premium amount based on the details shared.
Modify to Compare: You can tweak coverage limits or duration to see how it impacts your premium and select a plan that fits both your budget and travel style.

Things to Consider Before Buying Travel Insurance

Coverage benefits: Check what is included, such as medical expenses, trip cancellations, baggage loss, and emergency evacuation.
Sum insured: Make sure the coverage amount is sufficient, especially for destinations with high healthcare costs.
Pre-existing conditions: Understand whether pre-existing diseases are covered or require an add-on.
Destination-specific needs: Some countries have mandatory insurance requirements, so choose a plan that meets those rules.
Policy exclusions: Review what is not covered to avoid surprises during a claim.
Claim process: Look for a simple and quick claim settlement process.
Add-ons and customisation: Consider optional covers based on your travel needs.
Policy duration: Ensure the policy covers your entire travel period, including any extensions if required.

How to compare travel insurance online?

Sum Insured

No need to spend hours in buying a car insurance policy for your car. Buy the policy online and get it issued within minutes. Enjoy instant coverage on your car and take it for a spin without worrying about potential financial losses.

Range of Coverage

Zurich Kotak car insurance comes at affordable premiums starting as low as Rs.2094. So, insure your car without burning a hole in your pockets with Zurich Kotak car insurance plans.

Claim Procedure

At Zurich Kotak, we believe in issuing your car insurance policy with minimal hassles on your part. You don’t have to make a lot of effort in getting your car insured. Just apply online, fill in the proposal form, pay the premium and that’s it. The policy gets issued with minimal efforts.

Claim Settlement Terms

Zurich Kotak General Insurance offers significant discounts on car insurance renewal online, with up to 50% off using our no claim bonus. Opt for a voluntary deductible and approved anti-theft device for extra savings. Join AAI to lower your premium. Claim multiple discounts for an affordable policy.

Cashless Travel Insurance Plans

Need help in buying, renewing or making a claim on your car insurance policy? Zurich Kotak’s trusted experts are at your service. Get 24X7 assistance from our customer care department for your queries, complaints and even feedback.

Myths about travel insurance

When planning a trip, many travellers skip buying insurance because of common misconceptions. Let’s debunk some of the most widespread travel insurance myths so you can make a confident and informed decision.

Reality: While trip cancellations are covered, a comprehensive travel insurance policy also includes medical emergencies, lost or delayed baggage, trip delays, and even passport loss.

Reality: Even a short getaway can be affected by flight delays, medical issues, or baggage problems.

Reality: Most domestic health insurance plans do not cover international medical emergencies or travel-related risks like evacuation or repatriation. Travel insurance fills this gap.

Reality: Travel insurance is affordable and provides peace of mind. Compared to potential expenses for medical emergencies or lost luggage abroad, the cost is minimal.

Reality: Accidents, illnesses, or emergencies can happen to anyone—regardless of health status. Insurance ensures you’re financially protected from unexpected situations.

Reality: Every policy has terms, conditions, and exclusions. It’s important to read the fine print to know what’s included and what isn’t.

Reality: Some benefits, such as trip cancellation cover, are only applicable if you purchase your policy shortly after booking your trip. Early purchase ensures full protection.

Reality: With Zurich Kotak General Insurance, purchasing travel insurance is fast and easy. Just enter your trip and personal details online, choose a plan, pay securely, and you’re covered.

Travel insurance reviews & ratings

View more

Travel Insurance - frequently asked questions

Of course, you may have more questions related to travel insurance, so scroll down and find your question answered!

Insurance policy that covers pre-trip and on-trip risks for a traveler who has plans to travel outside India such as medical emergencies, trip delay, cancellation, interruption, delay and loss of checked in baggage, personal accident, loss of passport and personal liability. It is important to read the complete policy terms and conditions, exclusions before concluding a purchase.

Yes, travel insurance is essential for protecting against unexpected trip cancellations, medical emergencies or other travel-related issues. While in many countries require proof of travel insurance as part of the visa application process.

Eligibility for travel insurance might depend on factors like age, destination, duration or medical conditions.

Travel insurance is not mandatory in India but it is highly recommended, while it is mandatory for selected geographies during trips abroad.

Travel insurance is recommended for everyone while travelling as it provides protection against unexpected events.

Pre-existing diseases are generally excluded from the scope of coverage in overseas travel insurance. Smart Travel offered by Zurich Kotak General Insurance covers declared pre-existing conditions in life threatening situations up to 10% of the sum insured or USD/Euro 10,000 per policy whichever is lower.

Pandemic such as Covid-19 can severely impact travel plans and can pose significant risk to the lives of travelers. It is important to read the complete policy terms and conditions, exclusions before concluding a purchase. Smart Travel offered by Zurich Kotak General Insurance covers emergency medical treatment because of pandemic including but not limited to Covid-19.

Travel insurance provides the much-needed protection, financial security, and peace of mind to a traveler. Contrary to the understanding Smart Travel offered by Zurich Kotak General Insurance provides protection not only during the trip, but also provide protection pre-trip Eg., trip cancellation because of hospitalization or demise of an immediate family member, natural disaster etc. Also, there are several countries such as Schengen countries require valid travel insurance the time of Visa application. Zurich Kotak General Insurance is a participating insurer and policy issued by us is accepted by Schengen embassy.

Overseas travel insurance can be purchased while the traveler is in India maximum 180 days prior to the trip start date. It is important to get the travel insurance policy at the earliest as certain perils are covered prior to the trip start date.

Please read the terms and conditions of the travel insurance policy for more information. Smart travel offered by Zurich Kotak General Insurance offers full refund of premium in the event of policy cancellation informed to us before policy inception date and subject to no claims reported under the policy.

Yes. Most single trip travel insurance policies can be extended with mutual consent. In Smart travel offered by Zurich Kotak General Insurance, policyholder needs to inform the company at least 7 days prior to the policy expiry with payment of extension premium.

Anyone purchasing a travel insurance should be very careful while selecting correct geo-scope. In Smart travel offered by Zurich Kotak General Insurance there are four geo-scopes –

a)      Worldwide Including USA & Canada - There is no restriction on the countries to be travelled

b)     Worldwide Excluding USA & Canada – Not valid in USA & Canada

c)      Schengen – Valid only in Schengen countries

d)     Asia – Valid only in Asian countries

^ Please read the policy wordings for list of sanctioned countries where coverage under our policy will not be available

The coverage for travel insurance depends on various parameters like healthcare cost in destination country, age of the insured, existing health conditions, number of insured members covered in one policy, minimum coverage set out by the embassy. Eg. Schengen has a minimum coverage requirement of Euro 30,000