International Travel Insurance

International travel insurance covers emergency hospitalisation, surgeries, doctor consultations, and prescribed medications. It also includes medical evacuation and repatriation, ensuring you get the right treatment without bearing the full cost.

Common overlooked risks include trip cancellation, passport loss, personal liability, and adventure sports injuries. Many travellers also miss covering baggage delay and flight disruptions, which can cause significant inconvenience during a trip.

Yes, medical emergencies or flight disruptions can happen anytime, regardless of trip length. Even a short trip to a country with high healthcare costs can lead to large expenses without insurance coverage.

Yes, most international travel insurance plans cover multiple countries under a single policy. You need to declare all destinations at the time of purchase so the coverage applies throughout your itinerary.

Without travel insurance, you could face massive hospital bills, legal liabilities, and loss of prepaid trip costs. Some countries may deny entry without valid insurance, and emergency evacuation costs can run into lakhs.

Travel insurance often includes legal assistance, help with lost passport replacement, emergency cash advance, hotel accommodation for stranded travellers, and coordination with local authorities during emergencies.

Purchase your policy as soon as you book your trip. This ensures you are covered for pre-departure events like trip cancellation. At the latest, buy it before your departure date.

Yes, you can buy travel insurance for your parents even if they are travelling independently. Provide their details during the application and ensure the coverage matches the destination requirements.

Many policies allow date changes before the trip starts. Contact your insurer to update the dates. If the trip extends beyond the original return date, you may need to purchase an extension.

Schengen zone countries, the UAE, Thailand, Turkey, and Cuba mandate travel insurance for visa approval. For countries like the USA and UK, it is not legally required but strongly recommended due to high medical costs.

Absolutely. Medical emergencies, flight delays, and lost baggage can happen on any trip. The cost of a short-term travel insurance policy is minimal compared to the financial risk of travelling uninsured.

If your policy expires during the trip, any medical or travel emergency after expiry will not be covered. Contact your insurer before the policy end date to purchase an extension or a new policy.

If you cancel before the trip start date, most insurers offer a partial or full refund based on the terms and conditions. Contact Zurich Kotak customer support to initiate the cancellation and refund process.

Many international travel insurance plans cover outpatient consultations and minor treatments. Check your policy document for specific outpatient coverage limits and applicable sub-limits.

Yes, emergency treatment at any hospital is generally covered under reimbursement. However, cashless benefits may only apply at network hospitals. Submit the bills for reimbursement after returning.

Several countries require proof of travel insurance as part of their visa process. Key examples include:

●      Schengen Area countries (e.g., Germany, France, Italy, Spain)

●      United States of America

●      Canada

●      Australia

●      New Zealand

●      Japan

●      South Korea

●      Russia

●      Turkey

●      United Arab Emirates (UAE)

These countries often require proof of valid travel insurance as part of the visa application process.

Yes. Zurich Kotak international travel insurance covers emergency medical evacuation, arranging and paying to move you to the nearest suitable hospital, or back to India when it is medically necessary, up to your plan limits. Repatriation of mortal remains is also covered, and the arrangements are coordinated through the 24x7 travel assistance helpline.