Travel Insurance

Travelling is an exciting adventure, filled with the promise of new experiences and unforgettable memories. However, unexpected events can turn a dream vacation into a nightmare. This is where travel insurance comes into play, offering a safety net that ensures peace of mind and financial protection during your travels.

While most people think of it as an unnecessary add-on that travel agents use to make money, there’s a lot more to it than meets the eye. For one, it is one of those minimal expenses that is negligible until it becomes essential. 

Let’s take a look at the complete package offered by this type of insurance so that you can stay ahead of the worst-case scenario.

What is Travel Insurance?

It is a specialised policy designed to cover the risks associated with travelling. These risks can include medical emergencies, trip cancellations, lost luggage, flight delays, and more. A comprehensive plan provides financial compensation and assistance services, ensuring that you can handle unforeseen events with ease.

Why Do You Need Travel Insurance?

  1. Medical Emergencies Abroad
    Imagine you are on a trekking adventure in the Swiss Alps and you suffer a severe injury. Without travel insurance, the medical expenses could be astronomical. It covers medical treatment costs, hospitalization, and even medical evacuation if necessary.
  2. Trip Cancellations and Interruptions
    Sometimes, you may have to cancel or cut short your trip due to unforeseen circumstances such as illness, a family emergency, or natural disasters. It reimburses non-refundable expenses like flight tickets and hotel bookings, ensuring you don’t bear the financial brunt.
  3. Lost or Delayed Baggage
    Losing your luggage or having it delayed can be incredibly inconvenient. Insurance compensates for lost or delayed baggage, covering the cost of essential items you need to purchase until your luggage arrives.
  4. Flight Delays and Missed Connections
    Flight delays and missed connections can disrupt your travel plans. Travel insurance covers additional accommodation and meal expenses incurred due to these delays, ensuring you are not left stranded.
  5. Personal Liability
    It also provides coverage for personal liability, protecting you in case you accidentally cause injury to someone or damage their property during your trip.

How to Choose the Right Travel Insurance Plan

  1. Assess Your Needs
    Consider the nature of your trip, the destination, and the activities you plan to engage in. For instance, if you are going on an adventure trip involving activities like skiing or scuba diving, ensure your policy covers these high-risk activities.
  2. Compare Plans
    At Digibima, we provide a comprehensive comparison of plans from various insurers. Compare coverage, premiums, and benefits to find the plan that best suits your needs.
  3. Check Medical Coverage
    Ensure that the travel insurance plan offers adequate medical coverage, especially if you have pre-existing conditions. Look for policies that cover emergency medical expenses, hospitalisation, and medical evacuation.
  4. Review the Coverage Limits
    Different policies have different coverage limits for various aspects such as trip cancellations, baggage loss, and medical expenses. Choose a plan with sufficient limits to cover potential losses.
  5. Understand the Exclusions
    Every policy has exclusions—situations or conditions not covered by the insurance. Be sure to read the fine print and understand these exclusions to avoid surprises during claim processing.

Real-Life Example

Consider Anjali, a 32-year-old marketing executive from Mumbai, who planned a two-week vacation in Europe. She purchased a comprehensive travel insurance plan through Digibima. During her trip, Anjali fell ill and needed hospitalisation. 

The policy covered her medical expenses, and she received reimbursement for the days she missed travelling due to her illness. Additionally, when her return flight was delayed, the insurance compensated for her extra accommodation costs, ensuring she had a smooth and safe journey.


Travel insurance is a crucial part of planning a safe and enjoyable trip. By understanding the coverage options and choosing the right plan through Digibima, you can travel with confidence, knowing you are protected against unexpected events. Make your next journey stress-free by securing the right policy today.

FAQ Section

Q1: What does travel insurance typically cover?
A1: It typically covers medical emergencies, trip cancellations, lost or delayed baggage, flight delays, and personal liability.

Q2: Can I get travel insurance for pre-existing medical conditions?
A2: Some policies cover pre-existing medical conditions, but it’s essential to disclose these conditions when purchasing the policy and ensure they are covered.

Q3: How do I file a travel insurance claim?
A3: To file a claim, contact your insurance provider as soon as possible, provide all necessary documentation such as medical reports or receipts, and follow their claim procedure.

Q4: Is travel insurance necessary for domestic trips?
A4: While not mandatory, it is still beneficial for domestic trips, covering cancellations, delays, and medical emergencies within the country.

Q5: Can I buy travel insurance after booking my trip?
A5: Yes, you can purchase it after booking your trip, but it’s advisable to buy it as soon as possible to cover any unforeseen events that might occur before your departure.