Between 2024 and 2025, Indians took around 31.7 million trips abroad. Along with this surge, awareness around travel insurance has also grown significantly as more travellers realise the financial risks that can come with travelling abroad.
This is because whether you are exploring the streets of Vietnam or the landscapes of Switzerland, unpredictability is constant. A single missed flight or a minor medical hiccup can burn a hole in your savings.
Thus, getting travel insurance becomes very essential. Let us look into the reasons why you should really look into getting one yourself when you plan a trip.
8 Key Reasons Why Travel Insurance is Essential
Below are the most important 8 reasons why getting travel insurance is necessary for every trip:
1.Coverage for Medical Emergencies
Healthcare costs abroad are very high in comparison to those in India. For instance, a recent report from the Economic Times reveals that a surgery that costs around ₹5.5 lakh in India costs more than ₹40 lakh in the UK. Travel insurance covers these hospitalisation expenses, ensuring you receive quality care without worrying about the bill.
2.Evacuation Benefit
Suppose you have a plan to go high-altitude trekking and mountain climbing. If you face a critical injury or illness in such a remote location, you might need an air ambulance to transport you to the main city for medical care.
These services can cost lakhs depending on the distance. Your travel insurance policy can cover the cost of transporting you to the nearest adequate medical facility or back to India.
3.Safeguards Against Loss of Baggage
Statistics indicate that baggage delays and losses are fairly common during air travel. Such incidents can significantly disrupt your itinerary, cause unnecessary stress and lead to unexpected expenses.
However, if your checked-in luggage is delayed or goes missing and you have travel insurance, your insurer can compensate you for the loss.
This financial support allows you to purchase essential items and continue your trip with minimal disruption, instead of letting a luggage mishap derail your travel plans.
4.Coverage for a Lost Passport
Losing your passport in a foreign land is a nightmare. You can be caught by the police, which can create legal issues for you or be stopped from visiting places that you already had in your plan.
In many cases, you may also be forced to pay high fees for duplicate documents and extend your stay unexpectedly. Having travel insurance in these cases helps. It covers the expenses incurred in obtaining a new passport or emergency travel documents.
5.Coverage for Flight Delay/Cancellation
With global air traffic continuing to rise and reach up to 9.8 billion passengers in 2025, flight disruptions have become increasingly common. Delays and cancellations can significantly affect your travel plans.
Travel insurance helps cushion this impact. If your flight is delayed beyond a specified duration (typically 6 to 12 hours), your policy can reimburse you for meals and refreshments.
In the event of a cancellation, it may also cover non-refundable hotel bookings, ensuring that flight disruptions do not translate into major financial losses.
6.Missing Flight Coverage
Missing a connecting flight due to a delay in your first leg is a frequent issue for international travellers. Your travel insurance helps cover the additional costs of booking a new flight in these cases, ensuring you reach your destination without extra financial strain.
7.Financial Security
From personal liability to emergency medical cover, travel cover provides a cushion. Even when you are travelling in India, Bharat Bhraman policy ensures that your bank balance remains protected from mishaps.
8.Peace of Mind
The biggest benefit of having travel insurance is the psychological comfort. Just knowing that a 24/7 helpline is available to assist you in an emergency allows you to truly immerse yourself in the travel experience.
The Bottom Line
Travel insurance is no longer an option; it is a necessity for the modern explorer. It shields you from the high costs of medical inflation and the frequent disruptions of the global aviation industry.
Whether you are going global or travelling local, make sure you get insurance. So, invest in a policy today to ensure your next trip is remembered for the memories, not the expenses.
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