Travel insurance provides coverage for unexpected expenses such as medical emergencies, trip cancellations, or lost luggage, saving you from potential financial burdens.
It ensures you have access to medical care and assistance abroad, covering expenses like hospitalization, medical treatment, and emergency evacuation.
Travel insurance offers compensation for lost, stolen, or delayed baggage, helping you replace essential items during your trip.
Travel insurance offers 24/7 emergency assistance services, including medical referrals, legal assistance, and travel advisories, ensuring you have support when needed.
In the event of a political unrest, natural disaster, or medical emergency, travel insurance can arrange and cover the costs of emergency evacuation to a safe location or back home.
Beyond financial protection, travel insurance often offers valuable travel assistance services like emergency cash advances, and translation services, enhancing your overall travel experience.
Travel insurance allows you to relax and enjoy your trip, knowing you're financially protected from unforeseen events.
| Key Features | Benefits of IFFCO-Tokio |
|---|---|
| Claim Assistance | 24/7 Customer Support |
| Medical Cover | Upto USD 5,00,000 |
| Dental Treatment Coverage | Yes |
| Daily Allowance Coverage | Yes |
| Loss & Delay of Baggage Coverage | Yes |
| Loss of passport Cover | Yes |
| Personal Accident Cover | Yes |
| Financial Emergency Assistance | Yes |
| COVID-19 Coverage | Yes |
| Affordable Plan | Yes |
Every travel plan is unique. Some trips are with family, some are with co-workers, some are with your better half, and some are solo adventures. In each case, the kind of coverage you need will also change. Keeping this in mind, we offer different travel insurance plans to fit your varying needs.
Features
Loss of passport/baggage
Medical cover
Personal liability
Financial aid in emergency
Know more about International Travel Insurance
Features
Up to ₹ 10 lakh personal accident cover
Lower premium
Transportation cost of mortal remains
Know more about Pravasi Bharatiya Bima Yojana
Features
Hospitalization expenses
Maternity expenses
Employment contingencies expenses
Know more about Overseas Policy for Pravasi Bharatiya
Our customers have rated us
Based on 934 reviews
Booking and claim process are both simple and efficient.
Had a medical emergency on my trip, and the response was quick.
I purchased the travel insurnance plan very last minute but got the much needed assistance from the team.
Helpful team.
I was provided with emergency fund assistance as promised.
Nice.
Losing your passport can actually be a nightmare in a foreign land. Once you inform the authorities about your lost passport, a travel insurance plan will help you cover the expenses associated with obtaining a duplicate passport to facilitate the rest of your trip.
Losing your luggage can be a big headache and so to cover such risk, you need a travel insurance plan to take care of the expenses incurred.
This reimburses you for essential items if your checked luggage is delayed.
This provides financial assistance if you are on a plane that is hijacked.
While traveling, if you lose your money due to theft, robbery or dacoity, we will compensate you for the same.
Personal Accident cover- If in an unfortunate event, you get into an accident, this add-on gives you financial protection for personal accidents.
Example: Let's say you slip and break your leg while sightseeing. Travel insurance with personal accident coverage could help cover medical bills and other expenses.
Personal Liability cover- This add-on helps you to cover expenses in case you unintentionally hurt or cause damage to a third-party person or their property.
Example: Imagine accidentally bumping into someone in a crowded market, causing them to drop and break their expensive camera. Personal liability coverage could help cover the cost of the camera.
The following are the major travel exclusions of a travel insurance coverage.
Change of Mind - If you plan to cancel your travel plans for any non-covered reasons (such as personal preference due to bad weather), the insurance company will not compensate you for any loss. Intoxication Accidents - If you get into an accident as result of being under the influence of alcohol or any drugs, such incidents will not be covered by your travel insurance policy. Lack of Valid Visa - Coverage may not apply if you travel to a country without a valid visa or fail to meet visa requirements. Medical Consultation or Treatment - Travel Insurance may not cover expenses incurred while visiting a country specifically for medical consultation or treatment purposes. Traveling While Medically Unfit - Coverage may be excluded if you embark on an international journey despite being medically unfit to travel, as determined by a healthcare professional.The following are the major medical exclusions of a travel insurance plan.
Pre-existing Disease - If there is any pre-existing disease which was not revealed at the time of buying travel insurance policy, any cost incurred for its treatment would not be covered. Routine Dental Check-up - Any routine sitting for your dental treatment won't be accounted for as a claim under travel insurance policy. Pregnancy & Childbirth - If you are expecting a baby while travelling, travel insurance won't cover childbirth or pregnancy-related complications. Cosmetic Surgery - Any beautification or cosmetic treatment will be excluded from your travel insurance coverage. High Risk Sports and Activities - Any activity which involves you getting into an accident either due to drugs, alcoholism or engaging into risky sports would be excluded from your travel plan coverage.The following are the major legal exclusions
Legal suits - If the insured traveller gets involved in a legal case, the expenses incurred will be excluded from the Travel Insurance policy. Self-Inflicted Injuries, Suicide, or Attempted Suicide - Coverage under Travel Insurance typically does not extend to injuries, losses, or damages resulting from self-inflicted harm, suicide, or attempted suicide. Alcohol Consumption, Substance Abuse, Hallucinogens, etc - Travel Insurance coverage may not apply to injuries, losses, or damages directly or indirectly linked to alcohol consumption, substance abuse, or the use of hallucinogenic substances. Participation in Criminal Activities - Travel insurance may exclude coverage for injuries, losses, or damages incurred while intentionally or unintentionally engaging in criminal activities. Participation in Hazardous Activities - Coverage under Travel insurance may be excluded for injuries, losses, or damages sustained while participating in hazardous activities such as tunnelling, mining, or other high-risk pursuits. War Situation - Any illness or accidents caused as a result of warlike situation will not be covered in your travel insurance plan.It's crucial to thoroughly review the terms and conditions of your travel insurance policy to understand these legal exclusions and ensure you have appropriate coverage for your needs.
You can register a claim via following options:
Telephonic (Call Centre)
Online (Website)
Walk-In
SMS
Let’s check these options in detail –
Telephonic (Call Centre) - You can register a claim for compensation online or by reaching us on 1800-103-5499 or 0124- 4285499. Our customer care executives will guide you with the further procedure.
Online (Website) - To make a claim online, visit our website, then log in with your registered Email ID and Password. When you log in, just find & click on ‘make a claim’ option and follow the steps mentioned.
Walk-In - Please feel free to visit your policy issuing branch Mon–Fri from 9:30 AM to 6:00 PM (excluding national holidays) if you wish to discuss your claim in person. To learn more about our branch locations, please check our ‘Branch Locator’ option mentioned on the website.
SMS – To simplify your claim journey, you can just SMS “CLAIM” to 56161 and one of our claim’s representatives will get in touch with you within 4 working hours.
Note: Please have all the details pertaining to Loss description, Cause, Workshop/Hospital details, etc. ready at the time of call.
Email -You can email us at "support@iffcotokio.co.in" with your policy and mobile number, and our support staff will get in touch with you to initiate the claim process.
A travel insurance plan secures you against many risks and so it is important to consider the important steps involved while you purchase one-
Purchasing a policy online is always a convenient option as you get to decide your suitable time and place.
No need to wait in lines at the branch or for an agent, as you can simply complete the process very easily within a few steps.
Get access to your policy documents instantly by purchasing the policy online.
All the terms and conditions including the coverage, premium, are readily available to you via our website.
The plans are usually cheaper when purchased online as compared to offline plans as no intermediaries are involved.
You have the option to make changes in your insurance plan like adding or removing add-ons, making comparisons with other policies as many times as you want before making the final decision of buying it.
Buying a policy online enables you to look through a range of travel insurance plans available online to make fair comparisons and select a plan which offers ideal coverage.
A little contribution goes towards the environment as you buy an insurance online. It is a completely paperless and eco-friendly process.
