Travel Insurance - Reliance Travel Care Policy

Name: International Travel Insurance
Brand: Reliance General Insurance
Rating: 4.9 (307 reviews)

Benefits

Travelling is fun. As long as nothing goes wrong. But there are situations, beyond your control, that could happen during a trip. Think about it, your travel could get cancelled, you or someone could get injured or fall sick during the trip, you could lose your passport, a natural disaster could affect your destination country, your hotel could succumb to fires or earthquakes and a myriad of other unfortunate events can happen. All these scenarios can put you in a financial fix in addition to the mental and emotional distress.

This is why an international travel insurance like Reliance Travel Care Policy exists.

Through our various plans for international trips to the US, Canada, Europe, UAE, all of Asia and the rest of the world, you can get the monetary compensation you need if you ever encounter any of these unfortunate events. In extreme cases, our international travel insurance plans compensate you if there’s an accidental death on the trip or permanent disability. In short, Reliance Travel Care Policy will provide financial cover in the event of an accident-related loss or death while travelling.

We also have different travel plans to meet your various needs.

If you’re seeking the world-famous waffles from Belgium or you want to get a glimpse of the Icelandic Northern Lights, we’ve got the Schengen Travel Plan to cover you. If you’re visiting the modern cities of Singapore and Dubai, let our Asia Travel Plan cover you.

Travelling for studies? Don’t go without our Student Travel Plan. Are your parents travelling to see the world? Protect them with our Senior Citizen Travel Plan. Do you travel multiple times in a year for business? Take our Annual Multi-trip Plan to get multiple trip coverage all year long.

So next time you’re planning your trip, buy international travel insurance online from Reliance General Insurance to protect you wherever you go.

Key Features of Reliance Travel Care Policy- Individual Plan

Key Features	Benefits
Medical Expenses including Transportation, Evacuation and Repatriation of Mortal Remains (Sum Insured in US$)	50,000 - 500,000**
Countries Covered	USA, Canada, UK, Europe, Asia, Australia and more
Loss of Passport	Covered
Health Check-up Requirement	Not required^
COVID-19 Coverage	Medical /Hospitalisation expenses due to COVID-19 covered

Benefits to look for in a Travel Insurance Plan

Are you aware of what you need to look for in an international travel insurance plan? Keeping a checklist of all the essentials can help you in selecting the perfect plan. The main benefits to look for include the medical covers, baggage loss, trip delays and cancellations, etc. Below is a list of benefits to look for in an international travel insurance plan (all of which and more are covered in our Reliance Travel Care Policy as per the plan selected):

Medical Expenses Including Transportation, Evacuation And Repatriation Of Mortal Remains

Medical Expenses:

Covers the medical expenses that you have incurred during the policy period for availing emergency medical treatment for any illness or accident or injury that has been advised by a doctor. These treatments can include in-patient and out-patient treatments, X-Ray, Radiotherapy and more as prescribed by a physician are covered under our Reliance Travel Care policy.

Transportation Costs

Covers the expenses for transportation to the nearest hospital or back to India for a medically necessary treatment, if necessary. If your condition is life-threatening and or cannot wait until you return to India, you’ll be transported to the nearest hospital. Also, the additional costs for an accompanying person in case you need to be accompanied for a medical necessary treatment is covered.

Repatriation of Mortal Remains

In the unfortunate death of the insured person due to insurable event while on the trip, then the expenses related to transporting the mortal remains back to India or expenses for a local burial or cremation in the country where the death occurred is covered upto the defined limits.

Dental Treatment

The expenses related to acute anesthetic treatment of a natural tooth or teeth during the trip is covered under this benefit. For example, if an accident during your trip damages your teeth and the doctor recommends immediate treatment that cannot wait until you get back to India, the costs for that particular dental treatment is covered upto the specified limits.

Daily Allowance In Case Of Hospitalisation

In the event of emergency hospitalisation of more than 2 consecutive days, daily allowance will be paid as specified in the schedule due to illness or injury sustained or contracted during the trip will be covered. This benefit can be claimed only once during the Policy period.

Personal Accident

Provides compensation in case of death or disablement due to an injury that occurred during a trip. Compensation is given in case you lose sight in one or both your eyes, loss or inability to use your hands or feet due to an accident, or you lose your hearing, etc. Under our plan, financial compensation is given even if a death occurs after a year (365 continuous days) solely and directly caused by accident occurring during the period of insurance.

Personal Liability

Apart from accidents happening to you, there’s also a possibility of you causing an accident to a third-party. Such an accident could unfortunately either lead to the injury to the third-party or their death. In such times, the Personal Liability cover takes care of your legal expenses and the compensation that you have to pay to the third-party as per court of law up to the specified limits mentioned in the policy. Compensation is covered in our policy even if you cause damage to a third-party property.

Baggage Covers

Delay of Checked In Baggage:

If your baggage is delayed by the airline or misdirected for more than 12 hours from the actual arrival date of the common carrier, then the Delay of Checked-in Baggage cover will reimburse you for expenses you incurred for “Necessary Emergency Purchases”. Necessary Emergency Purchases includes clothes, toiletries and medication. This does not include valuables, money or any kind of securities.

Total Loss Of Checked In Baggage:

If your airline loses your baggage, then our policy will compensate you for the total loss of your checked-in baggage up to the market value in the event of total and complete loss of such checked-in baggage caused by a common carrier up to the limits as specified in the policy schedule. Any partial loss or damage shall not be covered under the policy.

Journey Covers

Trip Cancellation and Interruption

If you’re forced to cancel your trip before the the scheduled departure date or trips have been interrupted because of an unfortunate and unforeseen illness, death of your immediate family or inclement weather conditions, then we’ll reimburse you for the forfeited, non-refundable prepaid payments made prior to the departure date upto the limits specified in the policy schedule.

Trip Delay

Get reimbursed for any reasonable additional expenses incurred because of a trip delay for more than 12 hours due to unforeseen reasons such as Inclement weather conditions causing delay or a loss of passport or travel documents or unforeseen illness, injury of immediate family member. Incurred expenses must be supported by receipts. The reimbursement under this benefit will not exceed the sum insured as specified in the policy schedule.

Missed Connections

Get refunded if you miss a connecting flight due to inclement weather causing cancellation or a delay of regular scheduled airline flights. Any additional transportation costs to join the trip for non-refundable unused portion of prepaid expenses are reimbursed under our policy.

Loss of Passport

Get reimbursed for all the expenses in connection with obtaining a duplicate or fresh passport that was lost during the trip. Loss can be due to a theft for which you’ll get reimbursed for the cost of issuing a new passport (provided you report the theft to the police within 24 hours).

Financial Emergency Assistance

In case of substantial loss of travel funds while travelling because of theft, mugging, robbery, dacoity wherein there is a detrimental effect on the travel plans. then we’ll provide financial emergency assistance under our travel care policy . This will help you continue your trip and make any necessary arrangements.

Compassionate Visit

If you meet with an accident or you fall seriously ill where you cannot return to India then one immediate family member is allowed to visit you while you’re hospitalised subject to hospitalisation is for more than 7 consecutive days. This is provided that you don’t have any immediate family members present on your trip and the attending doctor has confirmed the need for a companion. This cover provides the cost for travel and stay of your immediate family member upto the limits specified in the schedule.

Disclaimer: The coverages will vary as per plan opted. Please refer to the policy wording for complete details.

What is Not Covered in Our Travel Care Policy?

As much as we would like to cover all possible risks, certain situations are beyond the protection of our plans. We like to maintain complete transparency with our customers so here's what we don't cover in our international travel insurance policies:-

1. Pre-existing diseases are not covered unless the same leads to a life-threatening condition that needs immediate medical attention. Moreover, life threatening condition is covered only if they arise from disclosed pre-existing diseases, which are mentioned in the travel policy schedule. Claims arising out of non-disclosed and non-declared pre-existing medical conditions will not be covered. So make sure to declare all pre-existing diseases while buying the Travel Care Policy.

2. Expenses incurred due to any of the following conditions:

Suicide/ Attempted suicide
Self-inflicted injuries or illnesses
Mental disorder
Anxiety, stress or depression
Venereal diseases
Alcohol/drug abuse
HIV/AIDS

3. Expenses incurred if you're:

Travelling against the advice of a physician
Receiving or are on a waiting list for specified medical treatment
Travelling to receive treatment abroad
Have been given a terminal prognosis for a medical condition
Taking part in a naval, military or air force operation.

4. Issues faced due to theft or loss of passport when left unattended, or unreported to local police authorities.

5. Only total loss of checked baggage is covered - no partial loss or damage shall become payable. Loss of hand baggage is also not covered. Additionally, losses arising due to delays and confiscation by custom authorities is not covered.

6. War or nuclear threat in the country where you're travelling.

Please read the policy wordings for the full list of exclusions.

*T&C apply. Details mentioned here are for Reliance Travel Care Policy. UIN: RELTIOP08002V010708.

What is Covered in Reliance Travel Insurance?

At Reliance General Insurance we strive to negate all possible risks that you could encounter while travelling. Whether you are going on a leisure or a business trip, we've tried to 'pack in' maximum coverage for a variety of situations in our international travel insurance policies.

Here is a list of scenarios that are covered under our plans:

Acute anaesthetic treatment of teeth due to an injury
Cost of obtaining a fresh or duplicate passport in case of a lost passport
Compensation for death due to an accident, while riding as a passenger in a common carrier
Reimbursement of return ticket fare for a family member visiting you, the insured, if you're hospitalised for more than 7 days and the attending doctor has confirmed the need for a companion.
Emergency medical expenses incurred by you whilst abroad, for any sudden illness, injury or accidental death
Expenses incurred if you miss a connecting flight due to delay of regular scheduled airline flights
Facility to provide you emergency financial assistance in case you lose travel funds due to theft
Compensation for a third party in case your involuntarily actions result in someone's demise, cause someone injury or damage to health or property
Accidental bodily injury during the trip
Emergency expenses made for medical evacuation to India
Expenses incurred if a trip is cancelled or interrupted due to unforeseen medical, personal employment problems or Inclement weather conditions
Expenses incurred while transporting the insured's mortal remains back home or towards burial abroad in case of an untimely demise
Expenses incurred if a trip is delayed for more than 12 hours due to unforeseen medical, personal employment problems or Inclement weather conditions
Compensation for loss or damage caused due to burglary to the content in your home, while you are travelling abroad
Special distress allowance if your common carrier is hijacked for more than 12 hours
Total loss of your checked-in baggage by a common carrier

To view the full list of inclusions, please read the policy wordings.