⚡ Instant Travel Insurance Premium Calculator
Select destination, dates, and traveler date of birth for instant verified premiums.
Choose Your Protection Plan
Transparent pricing for all 1 traveler(s) with 100% cashless emergency care and instant visa certificates.
Detailed Plan Benefits Comparison
Compare key limits and deductibles across our travel insurance tiers.
| Coverage Benefit | Standard Essential | Silver Comprehensive | Gold Elite | Student Elite |
|---|---|---|---|---|
| Medical Expenses & Hospitalization | $50,000 / $100,000 | Up to $100,000 | Up to $250,000+ | Up to $250,000 |
| Cashless Hospital Network | ✓ Worldwide | ✓ Worldwide | ✓ Priority TPA | ✓ University Network |
| Deductible / Excess per claim | $100 | $50 | $0 (Zero Deductible) | $50 |
| Trip Cancellation / Interruption | — | Up to $1,500 | Up to $3,500 | Up to $1,500 |
| Loss of Checked Baggage | Up to $500 | Up to $1,000 | Up to $2,000 | Up to $1,000 |
| Baggage Delay Reimbursement | Up to $150 | Up to $250 | Up to $500 | Up to $250 |
| Schengen Visa Compliance | 100% Guaranteed | 100% Guaranteed | 100% Guaranteed | 100% Guaranteed |
How to File an Overseas Claim
24/7 International assistance team ready to back you up anywhere in the world.
Emergency Intimation
Call the 24/7 emergency toll-free number or contact our claims desk immediately upon admission or flight event.
Cashless Guarantee (GOP)
Our TPA desk sends a direct Guarantee of Payment (GOP) to the treating hospital for seamless cashless medical care.
Document Collection
Retain doctor prescriptions, medical diagnosis reports, airline PIR, and original invoices.
Direct Settlement
Fast claims processing with direct bank transfer settlement for non-cashless expenses within 7 to 10 working days.
Frequently Asked Questions
Quick answers about international coverage and claims.
Is this travel insurance compliant with Schengen Visa requirements?
Yes, absolutely! All our Schengen and European plans meet and exceed the official European consulate requirements, providing minimum €30,000 (or $50,000+) emergency medical cover, zero deductible options, emergency medical evacuation, and repatriation of remains with instant downloadable embassy visa certificates.
How does cashless hospitalization work overseas?
In case of an emergency medical situation, you or the hospital staff can contact our 24/7 International Emergency Assistance TPA helpline (provided on your policy certificate). The medical team verifies coverage with the hospital and issues a Letter of Guarantee (GOP) directly to the hospital so you do not have to pay out of pocket.
Can I purchase insurance if my trip has already started?
Travel insurance policies should ideally be purchased prior to your departure from your home country. If you require an extension for an existing overseas policy, our desk can endorse and extend your coverage seamlessly.
Are COVID-19 medical expenses and quarantine covered?
Yes, emergency hospitalization, diagnostic tests, and medically required treatment related to COVID-19 contracted during the covered trip are treated as any other standard medical illness up to the policy sum insured.
What happens if my flight is delayed or luggage is lost?
Our comprehensive plans cover reimbursement for essential toiletries, clothes, and emergency supplies if checked baggage is delayed beyond 6 to 12 hours. For total baggage loss or flight cancellation due to adverse weather/medical emergencies, direct compensation is provided per policy terms.