Comprehensive Travel Insurance
Comprehensive travel insurance – Travel with confidence, covered at every step
Embark to your dream destination, knowing we have your back every step of the way.
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What is comprehensive travel insurance?
Travelling abroad comes with surprises you can’t always plan for. That’s why the best comprehensive travel insurance becomes your partner. It secures you against unexpected health issues, travel-related hurdles, medical emergencies, and everything in between.
Every great trip begins with excitement. The thrill of the unknown. The zeal to explore brand-new places. But even the most finely tuned itinerary can be thrown into chaos when a medical crisis, flight delay, or lost passport throws your world off balance. That’s when your comprehensive travel insurance plays the role. It’s built to think two steps ahead of every risk that hides between the lines of your travel plans. The best comprehensive travel insurance policy adapts to how, where, and why you travel. It’s for any moment that could derail your trip’s intent and harmony.
But what makes it comprehensive? It doesn’t stop at the basics. Comprehensive international travel insurance integrates benefits that matter when you're far from home like cashless hospitalisation across international networks, trip rescheduling cover, emergency evacuation assistance, and a lot more. Zurich Kotak General Insurance has taken this protection a step further. Our comprehensive travel insurance addresses what most travellers overlook. It’s like a living framework that covers you before take-off, during transit, and even after your home. So, before you head for your next trip, make sure to carry insurance, that’s smart and all-inclusive.
What are the types of plans available for comprehensive travel insurance?
Every trip has a story, some are brief, some unfold over months, and some are recurring chapters. That’s why comprehensive international travel plans are built to match those narratives with different plans:
Top features of comprehensive travel insurance policy
Certainty is the biggest travel myth. The unexpected doesn’t wait for your consent. That’s why the best comprehensive travel insurance works across borders, in time zones, and in situations you couldn’t predict. Here’s what stands out:
Medical assistance without borders
Our comprehensive travel insurance plan steps in with hospitalisation coverage, emergency medical evacuations, cashless arrangements, and even post-treatment support. It's not just about health protection, it is about the right coordination, wherever you're grounded.
Baggage and passport protection
When your essential items vanish, so can your calm. Our comprehensive international travel insurance works to swiftly recover losses, replace documents, and reimburse disruptions. The goal is simple i.e., reduce chaos, and get you back on your journey without fatigue.
Trip disruption coverage
Whether your departure is delayed or your plans change mid-trip, this benefit responds with reimbursements, rebookings, and practical support. It accounts for the time-sensitive nature of travel and ensures you're not left shouldering costs for events beyond your control.
Compassionate care
The best comprehensive travel insurance policy can help you arrange a family member abroad. If an urgent return home is needed due to a loss, it takes care of the travel or getting mortal remains back to home. Such a feature makes sure you stay stress-free during emergencies.
Security for the unseen
From hijack distress compensations to protecting your home during absence, our comprehensive travel insurance plan includes features that think ahead. It’s about covering not just the visible risks, but those that hide in the fine print of travel unpredictability.
Zero defect claim policy
When things go wrong, the last thing you need is a bunch of forms and vague responses. That’s why this plan is built on precision-first claims experience, streamlined documentation, real-time tracking, and transparent communication from start to settlement.
Zurich Kotak comprehensive travel offers you
A hallmark of our comprehensive travel insurance is its holistic approach. It blends diverse critical protections into one policy. Here’s what you need to be aware of:
What is covered?
Medical emergencies: | Health emergencies abroad can be financially and emotionally overwhelming. That’s why we aim to offer the best comprehensive travel insurance: · Inpatient, daycare, and OPD treatments: Whether you're admitted for surgery or need an urgent outpatient consultation, the plan reimburses or covers treatment, consultation, and pharmacy bills. · Coverage even after you return: If a trip-ending injury needs continued treatment back home, expenses for up to 30 days post-return are covered (with prior approval). · Age-specific sub-limits: While younger travellers get broader limits, those over 56 get tailored sub-limits like ICU coverage of up to $3,250/day and surgery coverage of up to $15,000. · Mental health support: Inpatient psychiatric treatment is covered 1% of SI upto $2000 annually; outpatient consultations up to 3 visits in your comprehensive travel insurance policy. · Emergency dental treatment: Sharp pain or accidental damage to your natural teeth? Your comprehensive international travel insurance covers treatment up to the specified limit if started within 24 hours. |
Emergency evacuation & repatriation | · Medical evacuation: Our comprehensive travel insurance covers any medically advised air/ground transport to the nearest appropriate facility when local treatment isn’t viable. · Repatriation of mortal remains: In the tragic event of death abroad, the best comprehensive travel insurance plan covers the cost of bringing the remains home or for local cremation. |
Compassionate assistance | If you’re hospitalised for more than 5 days and have no adult companion, our comprehensive international travel insurance plan flies in a relative with a round-trip economy ticket. This ensures that your recovery is emotionally supportive. |
Adventure sports | · Covers injuries or hospitalisation from sports like skiing, rafting, and trekking. · Requires professional supervision and adherence to safety standards for claims to apply. · Excludes unlicenced, solo, or reckless participation (e.g., paragliding alone without a guide). |
Travel disruptions | · Trip cancellation/interruption: Reimburses non-refundable expenses if your trip is cut short or cancelled due to health, family emergency, or catastrophe. · Missed connection/bounced bookings: Your comprehensive travel insurance covers additional stays or new tickets if a confirmed flight or hotel is cancelled. · Baggage delay or loss: Covers both fixed compensations for delays and reimbursement for lost luggage. · Lost passport or documents: Supports re-issuance costs and coordination abroad. |
Accidental benefits | · Personal accident: Lump sum payout in case of death or permanent total disability through the best comprehensive travel insurance policy. · Common carrier accident cover: This applies specifically to injuries or death in buses, planes, or trains. · Child education benefit: Ensures your child’s schooling continues even in your absence due to a covered mishap. · Lifestyle modification benefit: Helps modify your home/vehicle in case of mobility-limiting injury. |
Other smart add-ons | · Pre-existing condition cover: A few optional benefits in your comprehensive travel insurance policy cover complications from prior illnesses. · Home burglary while travelling: Your home in India is protected from break-ins while you're away. · Fraudulent charges protection: Your comprehensive international travel insurance can also cover losses from unauthorised debit/credit card transactions. · Visa denial coverage: Refunds visa application costs if your trip is cancelled due to rejection. · Return of minor child: Covers return travel of unattended minors in case of hospitalisation or death. · Pet care, event cancellation: Get some specialised covers that suit your unique travel profile. |
What is not covered?
Planned medical travel | If you're travelling with the intention of receiving medical treatment abroad, those expenses will not be covered. The plan is meant for unexpected medical emergencies, not scheduled procedures. |
Undeclared pre-existing conditions | Medical issues stemming from existing health conditions (unless specifically covered) are excluded. It’s important to declare known conditions and opt for relevant add-ons where available. |
War and civil unrest | Injuries or losses arising from war, rebellion, or political instability are not covered in your comprehensive travel insurance unless you've purchased the political risk & catastrophe evacuation cover. |
Substance influence | Claims arising from incidents where the insured was under the influence of drugs or alcohol are excluded from the comprehensive travel insurance. |
Adventure without supervision | Even the best comprehensive travel insurance invalidates engaging in high-risk sports without proper safety measures or certified guides. This is also applicable under the adventure sports add-on. |
Pregnancy & cosmetic treatments | Expenses related to pregnancy, childbirth, or elective cosmetic procedures are generally not covered. |
Who buys comprehensive travel insurance policies?
Individuals who buy the insurance pack for probabilities in their trip. That’s why there are different individuals who prefer a comprehensive travel insurance:
· Frequent travellers
Business travellers who don’t just clock miles, but manage tight schedules, high-value deals, and client commitments. For them, even a single delay can ripple into larger consequences. This plan ensures continuity, even when circumstances don’t cooperate.
· Student travellers
Academic travellers embarking on long-term educational journeys. Their risks go beyond academic disruptions to sudden medical emergencies. Our comprehensive travel insurance plan is designed to be a secure layer as they build a new life abroad.
· Family travellers
Those travelling with dependents or elderly members often look for a cover that shields their journeys against unexcepted incidents such as hospitalisation needs or travelling peace of mind. Our comprehensive travel insurance takes in the whole family.
· Individual travellers
Whether it’s solo adventurers or independent explorers, this insurance is for those who want to be prepared. For them, things like lost luggage, delayed flights, or sudden medical issues aren’t just unlikely events, they're real possibilities they want to be ready for.
· Repeated travellers
People heading out for extended durations or on multiple trips annually such as consultants, remote workers, or family visitors can opt for a comprehensive travel insurance policy to avoid repetitive paperwork, enjoy multi-trip protection, and support.
How to buy Zurich Kotak Comprehensive Travel Insurance online?
Buying comprehensive international travel insurance is as intuitive as booking your next flight. In just a few clicks, you can secure your entire trip:
1. Visit the Zurich Kotak General Insurance website: Go to the ‘Travel Insurance’ section.
2. Choose the right plan for you:
3. Region: Asia, worldwide including/excluding USA/Canada, or Schengen
4. Duration: Single trip or Annual Multi-trip
5. Insured Type: Individual or Floater
6. Customise:
7. Add optional covers like deductible waiver, adventure sports, or pre-existing disease.
8. View instant quote: Adjust the sum insured (from USD/EUR 30,000 to 1,000,000) and compare premiums.
9. Pay and download: Make a secure payment and receive your e-policy instantly.
10. Visa-ready documentation: The policy certificate meets embassy requirements for visa applications.
Claim process in Zurich Kotak comprehensive travel insurance online
As much as travelling is all about connecting and exploring the world, even the most carefully planned trips can be reversed. Here’s how you can get your claim during such situations:
1. Report the incident immediately:
2. For hospitalisation, contact our helpline within 24 hours.
3. To get planned treatments in your comprehensive international travel insurance, notify 5 days in advance.
4. Documents you may need:
5. Hospital bills, diagnostics, prescriptions (for medical claims)
6. Flight tickets, boarding passes, invoices (for travel-related claims)
7. Police FIR (in case of theft, robbery, or loss)
8. Death certificates and air cargo receipts (for repatriation)
9. Any additional documents required for verification
10. Submit online:
11. Log in to your Zurich Kotak portal or email the claims team.
12. Upload scanned copies for quick verification.
13. For reimbursement of your comprehensive travel insurance, submit within 30 days of treatment/travel completion.
14. Enjoy fast claim turnaround:
15. Claims are typically settled within 7-10 working days.
16. Funds are transferred directly to your registered bank account.
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Travel Insurance Terms You Need to Know about
There's always more to know about travel Insurance
Common carrier means any civilian land, water conveyance or scheduled aircraft operated under a valid license issued by a governmental authority having jurisdiction for the transportation of fare paying passengers under valid ticket.
Trip / Journey means any journey undertaken within Policy Period and which commences when the passenger boards the Common Carrier for onward overseas journey and terminates when he disembarks on return to India or the Policy Period End Date whichever is earlier.
Checked-in baggage mean the baggage entrusted by the Insured and accepted by a Common Carrier for transportation for which a baggage receipt is issued to the Insured by the Common Carrier. This shall exclude all the items that are carried/transported under a contract of affreightment.
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Frequently asked questions about comprehensive travel insurance
In a nutshell: It’s an all-round protection plan that travels with you i.e., before, during, and even after your trip.
Here’s what it includes:
· Medical emergencies: Inpatient, outpatient, and daycare treatments; even post-return medical care for up to 30 days (if pre-approved).
· Evacuation & repatriation: Emergency transport to a better medical facility and return of mortal remains if needed.
· Travel disruptions: Trip cancellations, delays, missed connections, or lost passports.
· Baggage issues: Delays, losses, or stolen belongings.
· Adventure mishaps: Injuries during adventure sports (with professional supervision).
· Accidental benefits: Personal accident coverage, child education support, and even home/vehicle modifications if mobility is impacted.
· Other smart add-ons: Pre-existing condition coverage, visa denial refunds, and even home burglary protection while you’re away.
Absolutely. Even a single overseas trip involves multiple risks such as medical emergencies, misplaced luggage, visa issues, or trip cancellations. A single-trip comprehensive policy is specifically designed to protect that one journey from start to finish. Think of it as a one-time safety net that quietly works in the background while you explore the world.
Yes, but only if it’s done safely and professionally. You are covered for sports like:
· Skiing
· White-water rafting
· Trekking (within safety altitudes)
Conditions to be met:
· You must be supervised by a certified professional.
· It must not be a reckless or solo attempt.
· Claims will be denied if safety protocols or licensing are ignored.
This coverage is great for thrill-seekers, just ensure you're not throwing caution to the wind.
Exclusions include:
· Pre-existing illnesses (unless you opt for the specific add-on).
· Planned medical treatments abroad (the policy is for emergencies, not pre-scheduled procedures).
· Pregnancy, childbirth, and cosmetic treatments.
· Injuries caused due to intoxication or substance abuse.
Remember: Always disclose known conditions beforehand so you can explore add-ons that offer partial or conditional coverage.
Not at all, it’s designed to be as straightforward as possible.
Step-by-step:
1. Inform the Assistance Provider within 24 hours for emergencies or at least 5 days before planned treatments.
2. Collect documents: Hospital records, bills, travel tickets, or FIRs (where needed).
3. Submit online: Upload them through the Zurich Kotak portal or email.
4. Track and receive: Most claims are settled within 7–10 business days, directly to your account.
There’s no room for misleading or fraud.
Yes, you just need to visit the official Zurich Kotak General Insurance website.
· Choose your region (Asia, Worldwide, Schengen, etc.) and trip type (single/multi).
· Add optional covers as needed.
· Pay securely and download your e-policy instantly.
Visa-ready? Absolutely. The digital certificate meets embassy requirements for most countries, including Schengen regions.
Yes, you are for up to 30 days post-return, provided:
· The treatment is for an injury or illness that began during your trip.
· Prior approval is obtained from the insurer.
· All relevant documents are submitted for review.
This ensures continuity in care, so you're not left stranded just because you’ve flown back.
It does and that’s a significant step forward in comprehensive travel insurance. You’re covered for inpatient psychiatric treatment up to $2,000 per year. Also, outpatient psychiatric consultations (up to 3 visits annually).
Because travel can be mentally demanding, and your peace of mind deserves just as much attention as your physical health.
The best comprehensive travel insurance has your family member visit you during your stay abroad. This is only when you're hospitalised for over 5 consecutive days and you're alone or without an adult companion. Then we arrange and cover a round-trip economy ticket for a close relative to come and stay with you. That support goes a long way in unfamiliar surroundings.
You can tailor your comprehensive travel insurance with smart add-ons like:
· Pre-existing condition coverage
· Visa rejection reimbursement
· Adventure sports cover
· Home burglary protection in India during travel
· Return of unattended minor child
· Fraudulent transaction cover (credit/debit cards abroad)
Pet care and event cancellation coverage
"Always by your side. Keeping you safe"