Travel insurance provides coverage for unexpected expenses such as medical emergencies, trip cancellations, or lost luggage, saving you from potential financial burdens.
In case you need to cancel or cut short your trip due to unforeseen circumstances like illness, injury, or natural disasters, travel insurance can reimburse your non-refundable expenses.
Compensates for extra expenses on food and accommodation if bad weather or other disruptions delay your trip.
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.
It provides coverage for additional expenses incurred due to flight delays or cancellations, such as accommodation, meals, and transportation.
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
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I insured my family picnic with Iffco Tokio. They are great.
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.
Nobody likes getting sick right before the dream vacation but if you do, a Travel insurance plan can reimburse you for prepaid, non-refundable trip costs if you have to cancel due to covered reasons like illness, injury, or bad weather.
Flight delays can wreak havoc on your itinerary. Travel insurance can compensate you for additional expenses incurred due to a covered flight delay or cancellation, like meals or a hotel room.
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.
With more people becoming keen on travelling, the countries around the world are being more cautious and hence making travel insurance an important pre-requisite to travel.
Travel requirements can vary from country to country. Hence, it is important to look for the specific travel related details for each country. Here are a few popular destinations which mandates you to have a travel insurance plan before you enter their land.
Schengen Area (26 European Countries): This comprises Austria, Belgium, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Netherlands, Norway, Poland, Portugal, Slovakia, Slovenia, Spain, Sweden, and Switzerland. Visitors require €30,000 minimum coverage for medical expenses.
Albania |
Maldives |
Argentina |
Myanmar |
Belarus |
Mongolia |
Bhutan |
Namibia |
Bolivia |
Nicaragua |
Brazil |
Oman |
Brunei |
Palau |
Bulgaria |
Panama |
Chile |
Paraguay |
Costa Rica |
Peru |
Cuba |
Philippines |
Curaçao |
Qatar |
Dominican Republic |
Russia |
Ecuador |
Saudi Arabia |
Egypt |
Serbia |
Georgia |
Singapore |
Greenland |
South Africa |
Iceland |
Sri Lanka |
India |
Suriname |
Indonesia |
Taiwan |
Iran |
Thailand |
Israel |
Turkey |
Jordan |
Ukraine |
Kazakhstan |
United Arab Emirates |
Laos |
Uruguay |
Lebanon |
Venezuela |
Libya |
Vietnam |
Malaysia |
Important Note: This list is not exhaustive and travel insurance requirements can change frequently. Always check with the embassy or consulate of the country you are visiting for the latest information on travel insurance requirements.
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.
1Is There Any Kind Of Hijack Distress Allowance?
Ans. - Yes, we do provide Hijack Distress Allowance coverage, but only as part of our Gold 500 Benefit Plan, which is our best travel insurance policy. The coverage amount for this is up to $875.
2What Kind Of Compensation Will I Get If I Lose My Passport?
Ans. - The loss of your passport can result in significant financial losses. You might have to extend your stay, pay express passport processing fees, re-schedule your flights, etc. Keeping this in mind, our travel insurance policy can offer up to $ 200 in case you lose your passport on your trip.
3What Is Personal Liability?
Ans. - Any loss or damage caused to a third-party individual or their property is known as ‘Personal Liability’. With a Travel insurance plan, you can get coverage for such expenses.
4Can The Period Of Travel Insurance Be Extended?
Ans. - Yes. Usually, it is extendable up to a certain extent. Usually, it is extendable up to 180 days. However, it is not guaranteed, it depends on the insurer.
5Can I Buy A Travel Insurance Plan During My Trip?
Ans. - Unfortunately, no. You are not given the option of buying a travel insurance policy once you have already set sail on your travels.
6Is A Medical Check-Up Necessary Before The Policy Is Purchased?
Ans. - Generally, there will be some medical check-up under this policy during its purchase. Insurance companies do conduct medical testing. This is to ensure that the policyholder is fit to travel and does not have any pre-existing diseases or illness that may trigger during a travel plan.
7Do I Need A Travel Insurance Policy For A Domestic Trip?
Ans. - Emergencies can happen anywhere. While international travel might have higher medical costs, trip cancellations due to weather or illness can disrupt domestic trips too.
8Will My Health Insurance Plan Cover My Sickness Abroad?
Ans. - Most standard health insurance plans have limited coverage outside your home country. Travel insurance specifically covers medical expenses incurred during your trip.
9Does IFFCO Tokio Provide Personal Accidental Coverage?
Ans. - Accidents can happen at any time, and hence coverage for such instances could prove to be very important. This is why we include a personal accident insurance coverage in the Gold 500 Benefit, Gold 250 Benefit, Gold 100 Benefit, and the Silver Benefit Plans of our travel insurance services. This coverage is up to $25,000. This coverage is also included in the Bronze 50 Benefit Plan, where the coverage amount provided is $15,000.
10What Are The Kinds Of Coverage IFFCO Tokio Travel Insurance Plan Provides?
Ans. - We offer various plans that offer different kinds of coverage. These types include hijack distress allowance, travel health insurance, dental treatment coverage, loss of baggage coverage, personal liability coverage, financial distress coverage, personal accidental coverage, transportation coverage for mortal remains, hospital daily allowance coverage, and flight delay coverage. To learn more in detail about the coverage of these plans, please go through our policy documents.
11How Much Medical Coverage Do I Get With My Travel Insurance Policy?
Ans. - Your medical coverage will depend on the plan you choose. We offer 5 different plan options and each of them offers varying coverage amounts for medical emergencies. We have listed all 5 of our plans below along with their coverage amounts: :
12Does IFFCO Tokio Provide Any Financial Assistance Coverage?
Ans. - There’s only one travel insurance policy that offers you financial assistance, which is the Gold 500 Benefit Plan. This coverage can be very helpful when you are traveling abroad and face a situation where you need financial support.
13Does IFFCO Tokio Provide Any Kind Of Benefits For Checked Baggage Delay?
Ans. - Yes, you can buy travel insurance plans that offer coverage for checked baggage delays. Those who have signed up for the Gold 500 Benefit Plan, Gold 250 Benefit Plan, Gold 100 Benefit Plan, and the Silver 250 Benefit Plan get coverage for up to $150. Those who have signed up for the Bronze 50 Benefit Plan get coverage up to $100.
14Is Dental Coverage Available With All The Plans?
Ans. - You can get dental coverage when you buy travel insurance online if you sign up for any one of the Gold 500 Benefit Plan, Gold 250 Benefit Plan, Gold 100 Benefit Plan, Silver 250 Benefit Plan, or the Bronze 50 Benefit Plan. The coverage amount that you will receive is up to $250.
15What Information Do I Need To Complete For Online Application?
Ans. - If you are looking forward to buying a travel insurance policy you will need a passport and a nominee who can receive compensation in case of accidental death. Apart from this, the lender may ask you to provide some basic details about yourself along with a medical check-up. You will also be required to inform the lender about your health history.
16How Much Hospital Allowance Will I Get With My Travel Insurance Plan?
Ans. - Not all our travel insurance plans offer the hospital allowance benefit. Therefore, you will be entitled to receive a hospital daily allowance only if you opt for the Gold 500 Benefit Plan, or the Gold 250 Benefit Plan, or the Silver Benefit Plan. The hospital allowance provided by IFFCO-Tokio for both the Gold 500 Benefit Plan and the Gold 250 Benefit Plans is $30 per day. This daily hospital allowance will be provided only if the insured is admitted for a period exceeding 48 hours and is limited to a maximum of 20 days of hospitalization.
17Who Is A Travel Assistance Partner?
Ans. - A travel assistance partner is a term that is used for an individual who is tasked with assisting you in medical emergencies during travel. A travel assistance partner is crucial in bringing medical attention to your aid when you need it.
18What Will Happen In Case I Am Stuck In A Foreign Land Due To Unforeseen Circumstances?
Ans. - Do not panic, you can always extend the travel insurance policy online before its expiry date. This will ensure that you do not have to worry about your financial coverage since you would have coverage for the extended period.
19Who Is A Third-Party Administrator Or TPA?
Ans. - A third-party administrator is an organization that processes insurance claims and employee benefits management. They are outsourced by insurance companies to settle claims. Third-party administrators are usually hired by hospitals to settle their claims process. Generally, TPA works in the health insurance field.
20Does IFFCO Tokio Travel Insurance Provide Any Kind Of Baggage Loss Benefits?
Ans. - Yes, our travel insurance plans do cover the loss of baggage. However, the coverage amount depends on the type of plan you have purchased. If you have either of the Gold 500 Benefit Plan, Gold 250 Benefit Plan, Gold 100 Benefit Plan, or the Silver 250 Benefit Plan, you are eligible to receive coverage of up to $1,000. If you are looking for some of the cheapest travel insurance policies, the Bronze 50 Benefit Plan would prove to be a great choice as it offers you coverage of $500 in cases of lost baggage.
21What Compensation Will I Get In Case Of A Total Loss Of Checked-In Baggage?
Ans. - We understand how important your baggage is. That's why we offer high levels of compensation in case your checked-in baggage is lost in transit. You can get $1,000 for a total loss of checked-in baggage and up to $150 if your baggage is delayed.
22Are Business Travellers Eligible To Purchase A Travel Insurance Policy?
Ans. - Yes, of course! One type of our travel insurance plans is specifically designed for business travellers, offering a single-trip insurance. This means that if you opt for such a travel insurance plan, it will last you for just one holiday and will expire when you are back home.
23Does This Policy Cover Pre-Existing Diseases?
Ans. - No, our travel insurance policies do not cover pre-existing illnesses. So, when you are travelling outside the country, you will not be able to use your travel insurance policy to get coverage for a pre-existing medical condition.
24What If I Don’t Find My Policy Suitable After I Receive The Policy Documents?
Ans. - No worries. There is a 15 days free-look period for our policies. So, if you find the policy unsuitable, you can cancel the policy and get back the premium you have paid within this free-look period.
25What Are The Modes Of Payment?
Ans. - You can pay for your international travel insurance policy through any of the following modes of payment:
26How Is The Premium Of My Travel Insurance Policy Calculated?
Ans. - The premium of your travel insurance is calculated basis the number of individuals covered by the policy, the age of the travellers, the destination, the duration of the trip, and the plan you choose.
27I forgot to purchase a travel insurance policy and I am already out of the country. Can I still buy a travel insurance policy?
Ans. - Unfortunately, no. You are not given the option of buying a travel insurance policy once you have already set sail on your travels. This is why you should be very prompt in purchasing a travel insurance policy well in advance so that you can go on your trip without having to worry about anything.
