Travel Insurance

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

Travel insurance covers four core areas: emergency medical treatment, baggage loss or delay, trip cancellation and trip delay. Zurich Kotak travel insurance also includes medical evacuation and repatriation, personal accident cover and emergency assistance while you are abroad. The exact benefits and limits vary by plan, so check the plan you choose before you buy.

It depends on your destination. Most countries do not require it, but some make it a visa condition. A Schengen visa, for example, requires travel insurance with a minimum medical cover of EUR 30,000 (Schengen visa requirement, European Commission). Several other destinations have their own entry rules, so check the current requirement for where you are going before you travel.

The premium depends on three things: how long your trip is, the age of the travellers and where you are going. A short trip to Southeast Asia costs less to insure than a long trip to the USA because medical costs differ by destination. For an exact figure, enter your destination and dates to get a quote.