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Travel Insurance

Travel with Confidence, Wherever You Go

Travel insurance helps protect you from unexpected situations during domestic or international travel — medical emergencies, trip cancellations, lost baggage, or flight delays.

At HawkSarthi, we help travellers compare and select suitable travel insurance plans from leading insurers based on destination, travel duration, and protection needs.

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Travel Insurance
Travel Insurance
Travel Insurance
Travel Insurance
Travel Insurance
Travel Insurance
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Partnering with India’s Leading Travel Insurers

We help you access travel insurance solutions from leading insurers in India.

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Why It Matters

While Travelling, Unexpected Events Can Lead to Significant Financial Stress

Travel insurance helps provide financial protection and support during emergencies — whether you are on a short holiday or a long international trip.

Typical risks covered include:

Medical Emergencies

Hospitalisation and treatment costs during travel, including emergency medical evacuation.

Trip Cancellations

Financial losses arising from cancelled or interrupted trips due to covered reasons.

Lost or Delayed Baggage

Compensation for checked-in baggage that is lost, damaged, or significantly delayed.

Passport Loss

Assistance and reimbursement for costs arising from loss of passport while travelling.

Flight Delays

Compensation for extended flight delays beyond the policy threshold.

Visa Requirement

For Schengen and many other destinations, travel insurance is mandatory for visa approval.

Plan Types

Types of Travel Insurance Plans

Different travel insurance plans are designed for different traveller profiles and trip types.

Plan Type Who It Is For Key Coverage
Single Trip Insurance Travellers taking one specific international trip Coverage for the entire duration of a specific trip
Multi-Trip Annual Plan Frequent international travellers Covers multiple trips within a policy year
Family Travel Plan Families travelling together One policy covering all family members under one sum insured
Student Travel Insurance Students going abroad for education Long-term coverage including study-related benefits and emergencies
Senior Citizen Travel Insurance Elderly travellers Higher medical coverage with age-specific conditions and support

Plan types and coverage terms are indicative. Actual coverage and premiums depend on insurer, destination, traveller age, and policy structure.

Coverage Details

Key Coverages in Travel Insurance

Here are the primary areas typically covered under a comprehensive travel insurance plan.

Coverage What It Protects
Emergency Medical Expenses Hospitalisation and treatment costs abroad
Medical Evacuation Emergency transfer to the nearest suitable hospital
Trip Cancellation / Curtailment Financial loss due to cancelled or cut-short trips
Flight Delay Compensation for long flight delays beyond threshold
Loss of Checked-in Baggage Compensation for lost or damaged checked luggage
Baggage Delay Reimbursement for essential purchases due to delayed baggage
Loss of Passport Assistance and reimbursement for passport loss while travelling
Personal Liability Protection against accidental damage or injury to third parties

Important Add-Ons and Optional Covers

Some travel policies offer additional features that enhance coverage.

Add-On / Benefit What It Covers Why It May Be Useful
Adventure Sports Cover Injuries during activities like skiing, trekking, or diving Useful for adventure travel
Trip Cancellation Upgrade Higher reimbursement limits for trip cancellation losses Helpful for expensive trips with significant advance payments
Emergency Cash Assistance Immediate financial help during emergencies abroad Useful if wallet or cards are lost or stolen
Home Burglary Cover Protection against burglary at home during travel Peace of mind while away from home
Sponsor Protection (Student Plans) Covers risk to the sponsor's ability to fund student education Important for student visa and education loan cases
Travel Types

Travel Insurance for Different Travel Needs

Whether you are heading overseas for leisure, business, or education, your coverage should match the specific risks of your journey type.

Leisure Travel

Short trips for vacations, family getaways, or holidays. Coverage for medical emergencies, trip cancellation, and baggage loss.

Business Travel

Frequent travel for meetings, conferences, or international assignments. Multi-trip annual plans are often more cost-effective.

Student Travel

Long-term coverage for students studying abroad, including education continuity benefits and sponsor protection.

Senior Citizen Travel

Higher medical protection and emergency support for elderly travellers, with focused care for pre-existing condition management.

Premium Factors

What Affects Travel Insurance Premium

Premium varies based on several factors. Understanding these helps you plan your coverage cost and choose the right plan within your budget.

Factor Impact on Premium
Destination Country Higher medical cost countries (e.g. USA, Europe) attract higher premiums
Trip Duration Longer trips increase the overall premium
Traveller Age Senior citizens may attract higher premiums due to increased health risk
Coverage Amount Higher sum insured for medical and other covers increases premium
Add-Ons Selected Additional benefits and riders increase the total premium
Why HawkSarthi

Our Role at HawkSarthi

Choosing travel insurance is not only about price — coverage quality and claim support matter equally. Here is how we help you make the right choice.

Compare & Shortlist Plans

We compare plans from multiple insurers to identify the best coverage-to-price fit for your travel profile and destination.

Explain Coverage Clearly

We clearly explain coverage limits, exclusions, and claim procedures — so you know exactly what you are protected against.

Destination-Based Guidance

We help select the most suitable coverage based on your specific destination, travel duration, and personal risk profile.

End-to-End Support

From policy purchase and documentation to renewal and claim assistance — we support you at every step of the journey.

Common Questions

Frequently Asked Questions

Travel insurance is mandatory for visa approval in several countries, including all Schengen zone countries. Even when not legally required, it is strongly recommended as it helps cover unexpected medical expenses, trip cancellations, and other financial risks during travel.

Coverage requirements depend on the destination country, trip duration, and medical costs in that region. For destinations with high healthcare costs such as the USA, Canada, or Europe, higher medical coverage limits are advisable. Your insurer or advisor can help you assess suitable coverage amounts based on your specific travel plans.

Coverage for pre-existing conditions varies significantly across insurers and policy types. Some policies offer limited coverage under specific conditions, while others may exclude pre-existing conditions entirely. It is important to disclose all medical conditions accurately at the time of purchase and review the policy terms carefully to understand what is and is not covered.

Have more questions about travel insurance coverage?

Speak with Our Team →

Planning a Trip?

Travel insurance can help protect you from unexpected financial risks while travelling. Speak to our team to understand suitable coverage options for your destination and travel plans.

  • Suitable coverage for your destination and travel profile
  • Understanding what is and is not covered
  • Claim support when you need it most
Get Travel Insurance Quote

Important Disclosure

Travel insurance is subject to policy terms, conditions, and underwriting guidelines of insurers. Coverage descriptions and comparisons shown on this page are indicative only and do not constitute financial or travel advice. Actual policy benefits, premiums, and coverage may vary based on individual eligibility, destination, trip duration, and insurer norms. For destinations requiring travel insurance for visa purposes, please verify the specific coverage requirements with the relevant embassy or consulate. Please read all policy documents carefully before purchasing.