International & Domestic Travel Insurance
Travel the world worry-free. Comprehensive travel protection covers overseas medical emergencies, lost baggage & passports, flight delays, emergency dental relief, and trip cancellations.
Instant Travel Quotes
Instant Visa PDFFrequently Asked Questions
Clear, transparent answers to help you make informed insurance decisions.
International Travel Insurance Online with Cashless Medical Cover
Travelling outside India without travel insurance exposes you to astronomical overseas medical bills — where a simple outpatient consultation in the United States or Europe can cost over $500 and emergency appendectomy surgery can exceed $30,000. For European destinations, travel insurance with at least €30,000 medical coverage is an absolute statutory prerequisite for Schengen visa approval. Insurance Kara Lo provides instant, visa-compliant international travel policies with zero medical checkups up to age 70 and cashless emergency hospitalization worldwide.
International travel insurance protects your overseas journey against expensive medical emergencies, hospitalizations, trip cancellations, lost baggage, and flight delays. Compare top IRDAI-approved international travel plans meeting Schengen visa €30,000 mandates and US/UK requirements, complete with 24x7 global emergency assistance and instant digital policy downloads.
Travel insurance is a short-term or annual multi-trip indemnity contract that protects domestic and international travellers against unexpected financial losses including overseas emergency medical care, trip interruptions, baggage loss, and personal liability abroad.
Schengen Visa Travel Insurance Rules: Essential Checkpoints
To secure a Schengen visa for European nations (France, Germany, Switzerland, Italy, Spain, etc.), the European Consulate strictly mandates that travel insurance must: (1) Provide a minimum medical cover of €30,000, (2) Cover all 29 member states of the Schengen area, (3) Include emergency medical repatriation and evacuation, and (4) Have zero or minimal deductibles. All Schengen plans on Insurance Kara Lo are 100% compliant and accepted by VFS Global and European embassies.
Why You Must File an Airline PIR for Delayed Baggage Immediately
If your checked baggage does not arrive on the luggage carousel at an overseas airport, do not exit the baggage claims area before reporting it. You must locate the airline service counter and obtain an official Property Irregularity Report (PIR) with a unique file reference number. Insurers will strictly repudiate baggage delay or loss claims without an official airline PIR document.
What It Covers (Inclusions)
- ✓Emergency Medical Hospitalization: Full inpatient room, surgical, and ICU expenses incurred during overseas travel
- ✓Schengen Visa Compliant: Meets mandatory European Union requirements of minimum €30,000 medical evacuation and repatriation cover
- ✓Emergency Medical Evacuation & Repatriation: Air ambulance and medically supervised transit back to India
- ✓Trip Cancellation & Interruption: Reimbursement of non-refundable flight and hotel bookings due to illness, severe weather, or family demise
- ✓Total Loss & Delay of Checked Baggage: Compensation for lost luggage or emergency purchase of clothing and toiletries during transit delays
- ✓Loss of International Passport: Reimbursement of consular fees, emergency travel permits, and accommodation while obtaining a new passport
- ✓Flight Delays & Missed Flight Connections: Meal and accommodation allowances if flights are delayed by more than 6 hours
- ✓Personal Third-Party Liability: Legal defense and financial indemnity if you accidentally injure a third party or damage overseas property
What Is Not Covered (Key Exclusions)
- ✕Pre-existing chronic medical conditions (unless life-threatening emergency stabilization rider is selected)
- ✕Travelling against the express medical advice of a registered physician or travelling abroad specifically for medical treatment
- ✕Injuries sustained while participating in extreme adventure sports (skydiving, scuba diving, bungee jumping) without specialized rider
- ✕Baggage loss resulting from unattended luggage in public airports or hotels without a police property irregularity report (PIR)
- ✕Losses or cancellations caused by civil war, acts of terrorism in blacklisted nations, or travelling without an active visa
- ✕Expenses incurred while under the influence of alcohol, non-prescribed narcotics, or intentional self-injury
Who Should Buy This Policy?
- •Vacationers and families travelling abroad for international holidays in Europe, the USA, UK, Southeast Asia, or the UAE
- •Students travelling overseas for undergraduate or postgraduate studies requiring university-compliant health waivers
- •Corporate executives and business professionals travelling frequently on multi-trip annual plans
- •Senior citizen parents visiting children living abroad in North America, Australia, or Europe
Required Documents
- •Passport details of all travellers (Passport Number, Expiry Date, Full Name matching passport records)
- •Travel dates (Departure date from India and Return arrival date back to India)
- •Travel itinerary / Destination countries (e.g. Schengen countries, USA & Canada, or Worldwide)
- •Proposer KYC details (PAN Card and Aadhaar for Indian residents)
Tax Benefits & Deductions
Travel insurance premiums paid for personal family vacations do not qualify for personal income tax deductions. However, for self-employed professionals, founders, and corporate entities, travel insurance purchased for business trips and overseas client visits is 100% tax-deductible as business travel operational expenditure under Section 37 of the Income Tax Act.
Step-by-Step Cashless Claim Workflow
Step 1: Contact Global Assistance Helpline — Immediately dial the insurer’s international toll-free assistance number on your policy card.
Step 2: Cashless Medical Admission — For hospitalization, the global assistance partner issues a Guarantee of Payment (GOP) directly to the overseas hospital.
Step 3: Baggage & Transit Claims — Secure a Property Irregularity Report (PIR) from the airline service desk for delayed or lost luggage.
Step 4: Document Upload — Upload doctor reports, hospital invoices, boarding passes, and receipts to the Insurance Kara Lo claim portal.
Step 5: Direct Reimbursement / Cashless Clearance — The insurer clears hospital bills cashless or reimburses expenses directly via NEFT/forex.
Comparative Policy Analysis
| Destination Category | Medical Cover Recommended | Schengen Compliant | Adventure Sports Add-on | Emergency Dental Included |
|---|---|---|---|---|
| Schengen Europe Plan | €30,000 to €100,000 | Yes (100% Guaranteed) | Optional Add-on | Yes (Up to $500) |
| USA & Canada Gold Shield | $100,000 to $500,000 | Yes (Exceeds norms) | Optional Add-on | Yes (Up to $1,000) |
| Asia & Middle East Smart Travel | $50,000 to $100,000 | Not Applicable | Optional Add-on | Yes (Up to $300) |
| Annual Multi-Trip Corporate | $100,000 to $250,000 | Yes (Worldwide) | Included | Yes (Up to $500) |
Frequently Asked Questions
Is travel insurance mandatory for getting an international tourist visa?
Travel insurance is strictly mandatory for all Schengen European countries, the UAE, Turkey, Cuba, and many international student visas. Even where optional (such as the US or UK), the extreme cost of foreign healthcare makes it vital.
Can I extend my travel insurance policy while already abroad?
Yes! If you decide to extend your overseas trip, you can extend your policy validity online on Insurance Kara Lo before your current policy expires, subject to zero active claims.
What is the Property Irregularity Report (PIR) for baggage claims?
A PIR is an official formal claim complaint form generated by airline ground staff at the airport when your luggage is lost, delayed, or visibly damaged. It is mandatory for filing baggage insurance claims.
Does international travel insurance cover passport loss expenses?
Yes. Most international travel policies reimburse actual expenses incurred in obtaining a duplicate passport or emergency travel travel certificate from the local Indian embassy abroad.
10+ years advising Indian vehicle owners and families on IRDAI-compliant insurance planning and claim settlements.
Reviewed for policy wording accuracy, cashless garage procedures, and Section 80D/80C tax rules.
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