Travel Insurance
Medical emergencies, cancelled trips and lost baggage — covered before the journey starts.
- Accepted for visa applications
- Cover from door to door
- Issued in a few minutes
A medical emergency in another country can cost several lakh rupees, and many countries will not even issue a visa without proof of travel insurance. For a small one-time premium, the whole trip is protected.
Paydeer retailers can issue single-trip, multi-trip, student and family travel policies for both domestic and international journeys, within minutes of the customer walking in.
01Travel Plans Available At Paydeer
- International Single-Trip – cover for one journey abroad, from departure until return.
- Multi-Trip Annual Plan – for frequent flyers, covering every trip taken in a year.
- Domestic Travel Plan – cover for journeys within India, including trip delay and accident cover.
- Student Travel Insurance – long-duration cover for students studying abroad, including sponsor protection.
- Senior Citizen Travel Plan – higher medical limits for elderly travellers.
- Family & Group Plans – a single policy covering the whole family or a tour group.
02What Travel Insurance Covers
- Emergency medical treatment and hospitalisation while travelling.
- Medical evacuation and repatriation back to India.
- Trip cancellation, curtailment and missed connecting flights.
- Loss, delay or damage of checked-in baggage.
- Loss of passport and the cost of getting an emergency replacement.
- Personal accident cover and personal liability abroad.
- Emergency cash assistance in case of theft or robbery.
03Choosing The Right Sum Insured
The medical limit is the number that matters — everything else on a travel policy is small change by comparison.
- Schengen and Europe: the visa itself requires a minimum medical cover of €30,000, so that is the floor and not the recommendation.
- USA and Canada: hospital costs are the highest in the world. A cover of USD 250,000 to USD 500,000 is what experienced travellers take.
- South-East Asia, Gulf and neighbouring countries: USD 50,000 to USD 100,000 is usually adequate.
- Students abroad: match the cover the university insists on, which is often specified in the admission letter.
A higher medical limit adds very little to the premium. Cutting the limit to save a few hundred rupees is the one saving a traveller regrets.
04What To Do In An Emergency Abroad
- Call the 24-hour assistance number printed on the policy before going to a hospital, wherever the situation allows. The insurer then arranges a cashless admission.
- Keep the policy number and the assistance number saved on the phone and on paper, separately from the wallet.
- For lost baggage, get a Property Irregularity Report from the airline before leaving the airport. Without it there is no claim.
- For a lost passport, file a police report and contact the nearest Indian embassy. The policy pays for the emergency replacement.
- Keep every bill, prescription and boarding pass — a reimbursement claim is settled on documents alone.
05Why It Matters
Several countries — the entire Schengen area among them — make travel insurance a compulsory condition for granting a visa, with a minimum medical cover specified. Even where it is not mandatory, a single hospital visit abroad usually costs more than the premium of a hundred policies.
For the retailer, travel insurance is a quick, high-value sale with almost no service overhead: the policy is issued digitally and there is nothing to inspect or verify afterwards.
✓What the policy covers
- Emergency medical treatment, hospitalisation and dental pain relief while abroad.
- Medical evacuation to the nearest suitable hospital and repatriation to India.
- Trip cancellation and curtailment for a covered reason, and missed connecting flights.
- Delay, loss or damage of checked-in baggage, and delay of the flight itself.
- Loss of passport and the cost of an emergency replacement document.
- Personal accident cover during the journey and personal liability abroad.
- Emergency cash assistance after a theft or a robbery.
- Hijack allowance and, on some plans, an automatic extension when the return is delayed.
✕What it does not cover
- Planned treatment abroad — a policy bought to fund medical tourism will not respond.
- Pre-existing illness, except a life-threatening emergency arising out of it.
- Adventure and extreme sports, unless the add-on for them has been taken.
- Travel undertaken against a doctor’s advice, or to a country the government has advised against.
- Self-inflicted injury, and any claim arising from alcohol or drug use.
- Baggage left unattended, and cash or jewellery carried in checked-in baggage.
- Losses claimed without the airline’s Property Irregularity Report or a police report.
- Any event that had already happened before the policy was bought.
On this page
Documents to bring
- Passport of every traveller
- Visa or the visa application, where it has already been filed
- Ticket or the travel itinerary with the exact dates
- Age proof for a senior citizen plan
- Admission letter, for a student travel policy
- A simple declaration of existing illness, where the plan asks for one
Paydeer retailers
Issue Travel Insurance from your own counter and earn on every policy and every renewal.
Become a partnerHow the policy is issued at a Paydeer outlet
Four steps from the counter to the policy PDF in the customer’s hand.
Share the trip details
Destination country, travel dates, age of each traveller, and whether the trip is one-off or the customer travels several times a year.
Pick the medical limit
The retailer matches the sum insured to the destination — the Schengen minimum for Europe, a much higher limit for the USA and Canada.
Fill the details and pay
Name exactly as on the passport, passport number and nominee. The premium is a one-time payment for the whole trip.
Policy is issued instantly
The certificate arrives by email in a form that can be attached directly to the visa application, along with the 24-hour assistance number.
Sell Travel Insurance from your own shop
Compare plans from multiple insurers, issue the policy in minutes and earn a commission on every sale and every renewal — from the same Paydeer portal you already use for recharge and bill payments.
Questions customers ask
The doubts that come up most often about Travel Insurance, answered the way a retailer would explain them across the counter.
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When should travel insurance be bought?
Ideally as soon as the tickets are booked. Buying early is what makes trip cancellation cover useful — a policy bought on the day of departure cannot cover a cancellation that has already happened.
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Is travel insurance mandatory for a visa?
For Schengen countries and several others it is compulsory, with a minimum medical cover specified by the embassy. For many destinations it is optional but strongly advised.
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Does it cover a pre-existing illness?
Standard travel policies cover only a life-threatening emergency arising out of a pre-existing condition, and not planned treatment. Plans with wider pre-existing disease cover are available at a higher premium.
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What if the airline loses my baggage?
The policy pays a fixed amount for delayed baggage after the specified number of hours, and compensates for permanently lost checked-in baggage as per the sum insured.
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Can a policy be extended while I am already abroad?
Most insurers allow one extension if the request is made before the current policy expires and there is no pending claim. A Paydeer retailer can process the extension request on the customer’s behalf.
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What happens if the visa is refused after the policy is bought?
Most insurers refund the full premium on a visa rejection, against the embassy’s refusal letter, as long as the trip had not started. The retailer files the cancellation request on the portal.
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Is a domestic travel policy worth taking?
For a flight or a long train journey inside India it is inexpensive and covers trip delay, baggage loss and accident during the journey. It does not replace a health policy, which is what pays for illness at home.
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Are children and senior citizens covered on the same policy?
Yes. A family plan covers two adults and their children under one premium. Travellers above 70 are usually moved to a senior citizen plan, which costs more and may carry a co-payment on medical claims.
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Does the policy cover a trekking or a skiing holiday?
Not by default. Adventure sports are a standard exclusion and need a specific add-on. It must be declared before the trip, not after an accident.
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