As New Year travel plans pick up pace, thousands of indians are gearing up for international holidays. With destinations like Europe, the US, Dubai, and Southeast Asia back on every traveller’s wishlist, one crucial aspect often gets overlooked or rushed—travel insurance. A small mistake in your policy can lead to major financial loss, stress, or even trip cancellation. Here are the most common travel insurance mistakes you should avoid before flying abroad.

1. Buying Insurance at the Last Minute

Many travellers purchase insurance just a day before departure, missing out on benefits like trip cancellation coverage. Early purchase ensures protection against unexpected events such as visa rejection, medical emergencies, or sudden changes in travel plans.

Fix: Buy travel insurance as soon as your tickets are booked.

2. Ignoring Medical Coverage Limits

Medical treatment abroad—especially in countries like the US and Europe—can be extremely expensive. Choosing a policy with low medical coverage can leave you paying hefty bills out of pocket.

Fix: Opt for high medical coverage, including hospitalization, emergency treatment, and medical evacuation.

3. Not Declaring Pre-Existing Medical Conditions

Failing to disclose conditions like diabetes, asthma, or heart issues can result in claim rejection, even in genuine emergencies.

Fix: Always declare pre-existing conditions and choose a policy that covers them, even if it costs slightly more.

4. Overlooking Adventure or Activity Coverage

Planning activities like skiing, scuba diving, trekking, or desert safaris? Standard policies often exclude adventure sports.

Fix: Add an adventure sports rider if your itinerary includes such activities.

5. Assuming Baggage and Passport Loss Are Fully Covered

Many travellers assume full compensation for lost baggage or passports, but policies often have limits, sub-limits, and conditions.

Fix: read fine print carefully and understand what documents and proof are required to make a claim.

6. Choosing Price Over Coverage

The cheapest policy may lack essential benefits like trip delays, missed connections, or emergency evacuation.

Fix: Compare policies based on coverage, exclusions, and claim support, not just price.

7. Not Understanding Claim Procedures

Even with the right coverage, incorrect or delayed claims can lead to rejection.

Fix: Save insurer helpline numbers, understand cashless hospital networks, and keep all bills, reports, and documents.

Bottom Line

Travel insurance is not just a formality—it’s a safety net for your international trip. A small oversight, like skipping medical disclosures or choosing inadequate coverage, can turn your dream holiday into a financial nightmare. Planning carefully, reading policy details, and choosing comprehensive coverage can ensure you travel stress-free and fully protected.

Disclaimer:

The views and opinions expressed in this article are those of the author and do not necessarily reflect the official policy or position of any agency, organization, employer, or company. All information provided is for general informational purposes only. While every effort has been made to ensure accuracy, we make no representations or warranties of any kind, express or implied, about the completeness, reliability, or suitability of the information contained herein. Readers are advised to verify facts and seek professional advice where necessary. Any reliance placed on such information is strictly at the reader’s own risk.