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What are the disadvantages of not having a travel insurance policy ?

There is nothing worse than going off on an amazing holiday only to get stuck in a situation where you lose your luggage or even worse, you get stuck at an airport. While the unfortunate mishap cannot be controlled by you or your travel agent, there are certainly precautions that you can take to safeguard your belongings as well as yourself in an unknown destination. These situations can be handled and taken care of if you have a valid travel insurance policy for your trip.

What all does a travel insurance policy cover?


HDFC ERGO offers a myriad of travel insurance plans to suit unique needs of every customer. A comprehensive plan usually includes:


  • coverage for emergency medical expenses
  • loss occurred in case of unplanned cancellations
  • change of date of your trip
  • a cover for death or disability due to accident or medical condition abroad
  • personal liability coverage
  • luggage cover


While travelling abroad comes with its own sets of risks, it does not imply that you should not buy a travel insurance plan when you travel domestically. There are specially curated insurance packages for domestic travel which make your money worth spending, considering the huge amount of money you may lose by not having an insurance policy at the time of an emergency.


HDFC ERGO has made purchasing travel insurance extremely easy and seamless. You can now buy the insurance online by simply visiting the website and filling in your required details. It is also fairly easy to calculate the premium to be paid by using the online premium calculator. The company has unique travel insurance plans to choose from. Some extremely popular ones are:

  • Student travel insurance
  • Asia travel insurance
  • Overseas travel insurance
  • Schengen travel insurance

The benefits of a travel insurance policy are the following:

Travel insurance comes in a myriad of forms. You can choose the one that meets your requirements and offers the following travel insurance benefits:


  • Emergency medical assistance

    As the name suggests, it includes emergency services and covers for ambulance charges, cost of taking you to the hospital and repatriation services.

  • Medical Evacuation

In the event of there being no hospital capable of treating you locally, the cost of transferring you to the nearest hospital will be borne by the insurance company.


You can easily buy travel insurance from HDFC ERGO’s website to travel with complete peace of mind.

Disclaimer: The above information is for illustrative purpose only. For more details, please refer to policy wordings and prospectus before concluding the sales.



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