You’ve booked your flights, packed your bags, and maybe even planned your Instagram captions. But there’s one unsexy detail that could save your trip, travel insurance. It’s the one thing you don’t post about but will thank yourself for having when your dream trip turns into a disaster.
Travel Insurance: The Safety Net You Didn't Know You Needed
Whether you’re heading to the Alps or the Andamans, travel insurance is your plan B. Lost luggage in Paris? Insurance covers it. Airbnb ghosted you in Prague at 2 AM? Covered. That spicy crab soup in Bangkok sent you to a hospital with a ₹3 lakh bill? Covered again. It’s not paranoia. It’s preparation.
Visa Denied? Travel Insurance Might Be the Culprit
Not just about peace of mind, some countries won’t even let you in without it. Germany, France, and Spain, for instance, mandate travel insurance before issuing a visa. So, skipping this step could literally cancel your entire plan.
What Do Indian Travel Insurance Plans Typically Cover?
Expect coverage for medical emergencies (yes, even that random flu in Tokyo), lost baggage, flight cancellations or delays, personal liability (like breaking a hotel item), and even emergency evacuations due to natural disasters or civil unrest. Some also include COVID cover and 24x7 helplines.
Don’t Just Buy the Cheapest Policy, Here’s What Matters
The coverage you need depends on where you’re going. The U.S. may require higher coverage than Thailand. Declare any pre-existing medical conditions, and if you’re indulging in activities like skiing or skydiving, opt for an adventure sports cover. Also, look for a hassle-free claims process. No one wants paperwork nightmares abroad.
Read more: From must-visit to miss-this: Why tourists are skipping America in 2025
Travel insurance might not be glamorous, but it’s what makes your trip truly stress-free. Because no one wants a ruined vacation — or worse, a bankrupt return. So before you zip your suitcase, zip into an insurance plan.
