Visa/Trip Cancellation Insurance

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What is Visa / Trip Cancellation Insurance?

Introducing India’s unique Visa / Trip Cancellation insurance plan – Explore Gold and Group Explore Platinum that provides complete protection for travellers

The unique travel insurance plan gives comprehensive coverage against unforeseen circumstances or emergencies that may occur before the customer leaves for their holiday or during your overseas holiday. With our exclusive travel insurance offering, travellers can have complete peace of mind knowing that they are protected for the entire duration of their holiday including land itineraries.

How does Trip cancellation cover come into effect?

If a policy holder has to cancel their trip due to hospitalization or death of self or immediate family member, terrorism, natural calamities i.e. earthquake, storm, flood, inundation, cyclone or tempest, the claim will trigger in the policy. The policy holder will have to share documentary proof when filing the claim with the insurance company.

What is Visa Rejection cover?

Having a travel insurance policy has become a norm for many countries when one applies for a Visa. In case, the applicants visa is rejected, then the visa fees up to the policy limits will be refunded to the customer. The policy holder will have share documentary proof of visa rejection from the embassy when filing the claim with the insurance company. Kindly note that this coverage is an add-on in Explore Gold plan while it is included in the Group Explore Platinum plan.

What adventure sports activities are covered?

Adventure sport activities such as bungee jumping, scuba diving, parasailing, paragliding are covered, however the policy holder must ensure that activities are undertaken in the supervision of qualified professionals instructors only. This coverage is an add-on in Explore Gold plan while it is included in the Group Explore Platinum plan.

What all is covered in a Travel Insurance Policy?

The Travel Insurance Policy provides coverage against a range of situations that may occur during one’s vacation. This includes medical inpatient expenses, outpatient expenses, accidental death and dismemberment on a common carrier, trip cancellation, trip interruption, hijack daily allowance, compassionate visit coverage, emergency dental expenses, missed connections, loss of checked in baggage, common carrier delay, home content burglary, missed connection including personal liability, repatriation of mortal remains and acts of terrorism. Kindly review the policy Terms and Conditions for coverage limits of each cover

Why should one get a Travel Insurance Policy?

An overseas travel insurance policy acts as a safety net for travellers and provides financial protection against unexpected circumstances. The importance of buying an international insurance plan has the following benefits -

  • A worldwide travel insurance plan gives you extensive coverage for various emergencies.
  • Treatment in a foreign country is very costly. Having travel insurance offers comprehensive financial protection.
  • Apart from medical emergencies, there are many non-medical losses that may occur i.e. loss or delay of checked-in baggage, loss of passport, flight delays, and baggage delays.

Another important reason is having peace of mind. When you know that you are covered for various risks, you can enjoy your trip without any worry.

If, unexpectedly, you get hospitalized due to any pre-existing diseases and a life threatening situation occurs, you are covered as per policy limits.

Some countries, like the Schengen visa, mandate having a travel insurance policy to obtain the visa.

FAQs

What is the premium for a travel insurance policy?
There are 2 premium options available:
a) Worldwide
b) Worldwide excluding USA & Canada
What does the travel insurance policy cover?
This single comprehensive travel insurance policy covers both land and air part of the itinerary against health / accidental risks. Kindly refer to the Summary of Coverages section for the list of coverages under this policy.
Does this policy cover Trip cancellation?
Yes. Prior to the commencement of the trip, if the insured person or immediate family member is hospitalized or there is an unfortunate death of immediate family members that results in the cancellation of the trip. For more details, kindly refer to Trip Cancellation in the detailed policy coverage section of the policy document.
Whom to Contact in case of an emergency while on the trip?
Depending on the geographical territory chosen, the following are the emergency contact details:

Policies for travel to USA and Canada only:

Falck Global Assistance

US & Canada : +1-844-301-3135 / +1-844-301-3146 (Toll free within US and Canada)
Email: travelassistance@careinsurance.com

Policies for worldwide travel excluding USA and Canada:

Call: +91 – 124 4006674 (Call back facility Available)
Email: travelassistance@careinsurance.com
By when can I buy the travel insurance policy?
The travel insurance policy can be purchased at least 5 working days prior to the date of departure from India.
What documentation is required for claims?
There is a standard Claim Form that is part of the policy pack. Depending on the nature of the claim, kindly refer to the relevant section for a list of the additional documentations that may be required along with the Claim Form duly filled by the customer.
Is medical onboard covered?
Yes, coverage under Outpatient Department (OPD) as per policy limits. Customers must keep their medical bills in original for reimbursement once they return to India. Our teams will assist you in claim settlement process. This coverage is an add-on in Explore Gold plan.
Can travel insurance be extended in case the trip is extended?
Yes. A Good Health declaration form is to be submitted with Insurance Company 3 days prior to the end date of policy. The Good Health Declaration form can be requested from email: travel.insurance@sticgroup.com mention your policy no. in communication subject line.
How can I buy a travel insurance policy?
You can fill the details of travel in ‘buy now’ and proceed with filling up the required details and can purchase a policy right away. You can also reach out to our travel expert email: travel.insurance@sticgroup.com, mobile no: +91 9910613628

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