your trip. without the small print.
Medical emergency, trip cancellation, baggage loss, flight delay, personal accident abroad. Schengen-grade, USA-grade, family-grade — one policy that holds whether your kid's first solo trip is to Goa or your first family holiday is the Trans-Siberian. Plus the visa office paperwork sorted before you land.
five covers. one policy.
Travel insurance is bundled but rarely understood. Here are the five covers the policy actually pays — based directly on the insurer's product structure. Most travellers only think about the medical cover, but the trip-cancellation and baggage covers earn their premium far more often.
Covers hospitalisation, doctor visits, prescription drugs, emergency dental, and emergency evacuation while abroad. Mandatory for most Schengen, USA, and UK visa applications. Sum insured ranges from $50,000 to $500,000 depending on plan.
If you have to cancel for a covered reason (medical, family emergency, visa rejection, natural disaster), the policy reimburses non-refundable bookings — flights, hotels, tours. Read the policy for the list of covered reasons; "cancel for any reason" riders exist at extra premium.
If checked baggage is delayed beyond a threshold (usually 6-12 hours), policy pays for essentials. If permanently lost, sum insured covers the contents. Doesn't cover cash, jewellery, or fragile items unless explicitly added.
If your flight is delayed beyond a threshold (usually 6 hours), policy pays a per-hour or lump-sum benefit for meals, hotel, ground transport. Useful for long-haul trips with tight layovers, monsoon-season departures.
Accidental death and disability benefit specifically for incidents during the trip period. Pays a lump sum to nominee (death) or to insured (disability) on top of your domestic PA cover, if any.
any purpose. any country.
From the insurer's product line-up — these are the five buyer profiles and the destinations the panel covers. Whatever the trip shape, there's a plan that fits.
Family vacation cover (one policy, multiple insured). Schengen visa, USA visa, and Australia E-Visa all require minimum coverage levels we baseline against.
Single-trip student plans up to 1-2 years. Includes study-abroad waivers, tuition reimbursement riders, study interruption cover. Required by most US, UK, Canadian universities.
Annual multi-trip plans for executives flying frequently. Covers laptop loss, business document loss, work-trip cancellation. Covers up to 30-90 days per trip depending on plan.
Senior-specific plans with pre-existing condition coverage and higher premium ceilings. Mandatory if the trip involves stops where medical costs are catastrophic (USA primarily).
Single-trip (up to 180 days) or annual multi-trip cover. Pick based on travel frequency. Annual plans pay off if you take 3+ trips a year.
USA · UK · UAE · Canada · Europe (Schengen) · Australia · Singapore — the destinations the panel covers most often. Anywhere else, we'll check destination-specific minimums.
Travel insurance is offered through funds to wealth., with Archita as a Point of Sales Person (POSP) of D2C Insurance Broking Pvt. Ltd. (RenewBuy), an IRDAI-licensed insurance broker. The actual policy contract is between you and the chosen insurer. Panel insurers include ICICI Lombard, HDFC Ergo, Bajaj Allianz, TATA AIG, SBI General, Reliance, Cholamandalam MS, Acko Travel, Digit, IFFCO-Tokio, Universal Sompo and others.
Insurance is the subject matter of solicitation. For more details on risk factors, terms and conditions, please read the sales brochure carefully before concluding a sale. Policy coverage during pandemics, declared war zones, and government-issued travel advisories may be limited or excluded. Pre-existing conditions are typically excluded unless a specific rider is added. Read the policy document for full terms.
questions, answered.
If yours isn't here, ask on the call. We answer in plain English.
What's the minimum cover required for a Schengen visa?
Schengen visa requires minimum €30,000 (~₹27 lakh) medical cover, valid in all Schengen countries, for the duration of the trip. We'll print you a Schengen-compliant certificate the same day.
Does USA travel insurance need to be different?
USA medical costs are catastrophic compared to most countries. We recommend a minimum $250,000-500,000 medical cover, especially for trips longer than 30 days. Standard Schengen-grade cover (€30,000) is not enough for an emergency in the US.
How does cashless overseas hospitalisation actually work?
Insurer has tie-ups with hospital networks abroad. You call the 24x7 assistance line, give your policy number, the insurer coordinates with the hospital, hospital bills the insurer directly. Cashless works for planned procedures and most emergency rooms. For very remote locations, reimbursement (you pay, claim back) is the fallback.
What if my visa gets rejected?
Trip cancellation cover usually includes visa rejection as a covered reason, provided you applied in good faith and met visa requirements. Non-refundable hotel and flight bookings can be claimed back. Cover starts from policy issue date, not visa approval date.
Can I buy after I've left India?
Most insurers require the policy to be issued before you depart. Some offer "already departed" cover at higher premium with a waiting period. We'll set up the policy before your trip to keep costs low.
Do I need this if my credit card has travel insurance?
Credit card cover is usually thin — limited medical cover, often no trip cancellation, baggage cover may have caps. Useful as a backup but rarely sufficient as the primary travel insurance, especially for Schengen, USA, UK destinations. We compare your card cover and recommend the gap.
let's size your travel cover.
A 20-minute call. We'll size the medical cover for your destinations, pick the right trip-cancellation cover, and have the visa-compliant certificate ready before you book.
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Usually within 12 minutes during Mumbai work hours.
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