How much coverage should you get for travel insurance?

Travel insurance coverage is highly individual. Don’t just look at the headline number; carefully examine the policy details, specifically exclusions and limitations. While SquareMouth suggests $50,000 for emergency medical expenses for international travel and $100,000 for cruises or remote locations, this is just a starting point. Consider the cost of medical evacuation from a remote area – it can easily exceed $100,000. Factor in pre-existing conditions: many policies require specific riders or may exclude them entirely. Think about trip cancellation or interruption costs – lost flights, accommodation, and non-refundable tours can quickly add up. Evaluate your planned activities; adventure travel necessitates greater coverage than a relaxing beach vacation. Finally, remember that your existing health insurance might offer some international coverage, but often with significant limitations and high deductibles. Compare this to the travel insurance options to determine the actual net cost of coverage.

For example, if you’re backpacking Southeast Asia, higher coverage for medical emergencies and evacuation, potentially reaching $100,000 or more, is highly advisable due to the accessibility challenges and potential for less advanced medical facilities. For a short European city break, lower medical coverage might suffice, but focus on trip interruption and baggage loss components.

Always read the fine print! Don’t be swayed solely by the advertised coverage amounts; understand what situations are covered and what are excluded.

What is the most common travel insurance claim?

Falling ill or getting injured while traveling is a major concern, and for good reason. It’s consistently the top reason people file travel insurance claims. In fact, in 2024, medical emergencies accounted for a staggering 27% of all paid-out claims – the highest percentage in over a decade, even eclipsing trip cancellations.

Why are medical emergencies so prevalent?

Unfamiliar environments: Exposure to new germs and bacteria can easily lead to illness.
Increased activity levels: Travel often involves more physical activity than your usual routine, increasing the risk of accidents and injuries.
Lack of access to familiar healthcare: Navigating a foreign healthcare system can be stressful and challenging, even when you have insurance.
Food and waterborne illnesses: These are common culprits, particularly in less developed countries.

What this means for you:

Prioritize comprehensive medical coverage: Don’t skimp on travel insurance; choose a policy with robust medical evacuation and repatriation benefits. The cost of emergency medical treatment abroad can be astronomical.
Consult your doctor before you go: Get necessary vaccinations and discuss any pre-existing conditions that could be exacerbated by travel.
Pack a well-stocked first-aid kit: Include essentials like pain relievers, antiseptic wipes, bandages, and any personal medications.
Be aware of your surroundings: Practice safe food and water hygiene, and be mindful of potential hazards in unfamiliar locations.
Understand your policy’s limitations: Read the fine print carefully and know exactly what is and isn’t covered.

Beyond the statistics: While the numbers highlight the importance of medical travel insurance, remember the human side. A medical emergency can transform a dream vacation into a costly and stressful nightmare. Proper planning and comprehensive insurance can significantly mitigate the risks and help you focus on enjoying your trip.

Does my Blue Cross Blue Shield cover international travel?

Yes, your Blue Cross Blue Shield plan offers worldwide coverage, but it’s crucial to understand the nuances. While it covers medical care outside the US, Puerto Rico, and the US Virgin Islands, the extent of coverage can vary significantly.

Key Considerations:

Pre-existing conditions: Coverage for pre-existing conditions might be limited or require additional paperwork and approvals before your trip.
Emergency vs. Non-Emergency Care: Emergency care is typically better covered than non-emergency or elective procedures.
Network Providers: Treatment from in-network providers (if any exist internationally) usually leads to lower out-of-pocket costs. Finding them might require advance research.
Claim Process: Familiarize yourself with the claims process *before* your trip. You’ll likely need to gather extensive documentation – bills, receipts, medical reports – which can be challenging abroad.
Supplementary Travel Insurance: Consider purchasing supplementary travel insurance. This can cover gaps in your BCBS plan, such as evacuation expenses, lost luggage, or trip cancellation. It often offers a simpler claims process and broader coverage.

Proactive Steps:

Contact your BCBS provider *before* your trip to confirm coverage details, understand any limitations, and obtain necessary forms.
Carry a copy of your insurance card and policy details. Consider keeping a digital copy as well, accessible offline.
Research local healthcare providers in your destination, if possible, to find those who accept international insurance.
Keep detailed records of all medical expenses and treatments received.

Remember: “Worldwide coverage” doesn’t necessarily mean “complete coverage”. Thorough planning and preparation are essential for a worry-free trip.

What is not covered in travel insurance?

Travel insurance, even comprehensive plans like those from Generali Global Assistance, often exclude a range of foreseeable and unavoidable circumstances. This isn’t a sneaky tactic; it’s simply a matter of risk assessment. Insurers can’t cover everything.

Here’s what typically isn’t covered:

Pre-existing conditions: This is a major one. If you have a known health issue, it’s crucial to disclose it *before* purchasing insurance. Many policies will either exclude coverage entirely or require additional riders, often at a significant cost. From my own travels across dozens of countries, I’ve seen firsthand the heartbreak of someone facing a medical emergency and finding their pre-existing condition wasn’t covered.
Acts of God and unavoidable circumstances: Think volcanic eruptions, major earthquakes, or widespread pandemics. While some policies might offer limited assistance with rebooking, full coverage is unlikely if a trip is entirely canceled due to such events. I once had a trip to Indonesia disrupted by a volcanic ash cloud – the flight cancellations weren’t covered.
Government-imposed travel restrictions: Border closures, lockdowns, and mandatory quarantines are rarely covered. This is especially relevant in today’s world. Always check the specific clauses regarding travel advisories and government mandates in your policy.
Adventure activities (without add-ons): Standard policies often exclude extreme sports or activities like mountain climbing or scuba diving. Specific adventure travel insurance will be necessary for such activities.
Lost or stolen items due to negligence: Leaving your belongings unattended in a public place, for example. While insurance might cover theft under specific circumstances (e.g., a break-in), simple carelessness rarely is.

Pro Tip: Always read the fine print of your policy *before* your trip. Understand exactly what is and isn’t covered. Don’t assume anything. Consider supplemental coverage for high-risk activities or pre-existing conditions. A little extra planning goes a long way in mitigating unforeseen expenses.

Crucially: The specific exclusions will vary widely between insurers and policy types. Compare policies carefully and choose one that best suits your planned activities and risk tolerance. My travels have taught me the importance of thorough research.

What are two disadvantages travel insurance?

Travel insurance, while beneficial, comes with downsides. Firstly, the cost is a significant factor. It adds to your trip’s budget, potentially deterring budget travelers, especially on shorter or cheaper getaways. Consider this cost against the potential financial fallout of a cancelled flight, lost luggage, or a medical emergency abroad – the price difference can be substantial depending on your trip’s specifics and the level of coverage. Remember, cheaper policies often come with lower payouts and more restrictions.

Secondly, exclusions and limitations are common. Policies rarely cover everything. Pre-existing medical conditions are a frequent exclusion, and adventure activities might require separate, more expensive coverage or be completely excluded. Carefully review the policy wording; “acts of God” clauses can be surprisingly broad, and definitions of what constitutes a “medical emergency” can be surprisingly narrow. Don’t assume anything is covered; verify specifics, especially if you have a unique travel itinerary or pre-existing health concerns. Consider supplementing your policy with specific add-ons if needed.

What is the best travel insurance to buy?

Finding the right travel insurance can feel overwhelming, but it’s crucial for peace of mind. My years of globe-trotting have taught me the hard way that comprehensive coverage is non-negotiable.

Picking the best policy depends heavily on your individual needs and trip specifics. Here’s a breakdown based on my experience and research for 2025:

Best Overall: Berkshire Hathaway Travel Protection – Consistently receives high marks for its robust coverage, clear policy language, and reliable claims processing. Their customer service has also been consistently praised.
Best for Emergency Medical Coverage: Allianz Global Assistance – If you’re particularly worried about medical emergencies abroad (and you should be!), Allianz often stands out for its extensive medical coverage, including evacuation and repatriation. Remember to check specifics as coverage varies between plans.
Best for Travelers with Pre-existing Medical Conditions: Travel Guard by AIG – Securing adequate travel insurance with pre-existing conditions can be a challenge. Travel Guard often offers more flexible options and higher coverage limits for those with pre-existing health issues. However, *always* disclose all relevant medical information accurately and completely during the application process.

Beyond the top three, here are some critical factors to consider when choosing your policy:

Trip Length and Destination: Coverage needs vary drastically depending on where and how long you’re travelling. Longer trips and destinations with higher medical costs require more comprehensive plans.
Activity Level: Are you planning adventurous activities like skiing, scuba diving, or trekking? Standard policies may not cover these; you’ll likely need add-ons or specialized adventure travel insurance.
Trip Cost: Ensure your policy covers the full cost of your trip, including flights, accommodation, and other non-refundable expenses.
Read the Fine Print!: This cannot be stressed enough. Thoroughly review the policy document before purchasing to understand exclusions and limitations. Don’t just rely on the summary.
Claims Process: Check the insurer’s reputation for handling claims efficiently and fairly. Look for reviews and testimonials online.

Remember, travel insurance isn’t just about avoiding financial ruin; it’s about securing peace of mind so you can fully enjoy your adventures.

Is travel insurance worth it?

Travel insurance is a gamble, but one I usually take. The peace of mind knowing I’m covered for trip cancellations due to illness or unforeseen circumstances (like a volcanic eruption!), or significant medical emergencies far from home, is priceless. The cost is often a small fraction of the overall trip expense, and that tiny investment can save you from a potential financial catastrophe. However, don’t just grab the first policy you see. Compare plans carefully – some offer robust medical coverage, while others prioritize trip disruptions. Read the fine print; exclusions for pre-existing conditions or adventure activities are common. Consider your destination and planned activities when choosing coverage; a backpacking trip through Southeast Asia needs far more comprehensive insurance than a week-long stay in a resort.

Think about what “worth it” means to *you*. If you’re travelling on a tight budget, a basic policy covering medical emergencies might suffice. For a luxury trip with non-refundable bookings, a comprehensive plan is a must. Remember to factor in the cost of your trip and the potential costs of things going wrong – lost luggage, flight cancellations, medical bills in a foreign country can quickly add up. Weigh those potential losses against the premium. It’s about risk assessment; understanding your risk tolerance and choosing a policy that aligns with that.

Finally, keep your policy details readily accessible, ideally both digitally and in print. You’ll need this information in case of emergency. And, don’t forget to file a claim promptly following any incident; the sooner you act, the smoother the process will likely be.

Which insurance company is best for travel insurance?

Choosing the “best” travel insurance hinges entirely on your specific needs. There’s no one-size-fits-all solution. While several companies consistently rank highly, consider these nuanced factors before selecting a policy.

Seven Corners frequently tops lists for overall value, particularly if you already have some coverage through a travel credit card. However, carefully compare their offerings against your card’s benefits to avoid redundant coverage.

IMG excels for those with extended or unpredictable travel plans, like digital nomads or those working remotely. Their policies often offer more flexibility in terms of trip extensions and coverage periods.

Tin Leg is a strong contender for adventurers and those whose travel plans are less structured. They often provide robust coverage for activities that other insurers might exclude, but always check the fine print for specifics.

TravelSafe is a compelling option if you frequently utilize points and miles for travel bookings. Their policies can often be tailored to these specific circumstances, offering protection for your hard-earned rewards.

Important Note: Always thoroughly review policy details, including coverage limits for medical emergencies, trip cancellations, and baggage loss. Don’t solely rely on rankings; prioritize coverage that aligns with your personal travel style and risk tolerance. Premiums vary widely, so compare quotes from multiple providers before committing.

What won’t travel insurance cover?

Travel insurance is a crucial investment, but understanding its limitations is just as important as understanding its benefits. Many policies, especially standard ones, explicitly exclude coverage for medical emergencies, medications, or trip disruptions stemming from pre-existing mental health conditions like depression, anxiety, or psychosis. This is a significant gap, particularly considering the prevalence of these conditions. I’ve witnessed firsthand how challenging unexpected mental health crises can be while traveling – the logistical hurdles, the emotional toll, and the sheer financial burden. This is where proactive planning becomes vital.

Crucially, some insurers *do* offer coverage for pre-existing mental health conditions, but only with full disclosure and a substantially increased premium. This often involves providing extensive medical documentation. It’s essential to thoroughly read the policy wording, focusing on the definition of “pre-existing condition” and any limitations or exclusions. Don’t hesitate to contact multiple insurers and compare their offerings – the details vary considerably. Remember, the cost of a comprehensive policy that includes mental health coverage may be far less than the cost of an uninsured medical emergency or repatriation abroad.

Don’t assume your existing health insurance will cover you adequately while traveling. Many domestic policies provide limited or no coverage for medical treatment outside your home country. Researching your options and finding a policy specifically designed for international travel is vital, ensuring you’re protected against unforeseen circumstances, including mental health emergencies.

Proactive steps, such as maintaining detailed medical records and consulting your doctor before your trip, can significantly increase your chances of securing appropriate coverage, even with pre-existing mental health conditions. Be transparent with your insurer about your health history. This open communication significantly improves your ability to secure appropriate protection.

What is an example of when travel insurance would not be necessary?

Let’s be realistic: travel insurance isn’t a luxury, it’s risk management. The idea that you don’t need it for a short trip close to home is a dangerous myth I’ve seen countless fellow travellers fall victim to. Even a short hop can go sideways; a sudden illness, a family emergency, or even a simple missed connection can cost a fortune. If you can’t afford to absorb the cost of cancelling and rebooking – and I mean *really* absorb it, not just “kinda maybe” – then you’re playing with fire.

Furthermore, don’t rely solely on your existing health insurance. Many policies offer limited or no coverage abroad, leaving you with crippling medical bills. I’ve seen firsthand how quickly a seemingly minor injury can escalate into a financial catastrophe without adequate travel insurance. Think about the potential costs: emergency medical evacuation, repatriation, lost luggage, trip cancellations… It adds up faster than you might think. Even the seemingly invincible need a safety net.

So, when *is* travel insurance unnecessary? Truthfully, very rarely. Perhaps a meticulously planned day trip to a neighboring town with readily available medical facilities and no significant financial commitments could arguably fall into that category. But even then, a minor incident can quickly turn a pleasant outing into a costly headache. Weigh the minimal cost of insurance against the potential for devastating financial loss. It’s a small price to pay for peace of mind.

What is the best travel insurance?

Choosing the “best” travel insurance depends heavily on your individual needs and trip specifics. Having explored dozens of countries myself, I’ve learned that a one-size-fits-all approach rarely works. Nationwide Travel Insurance consistently earns top marks for its comprehensive coverage and ease of use – a great all-around option for most travelers. However, AXA Assistance USA provides a strong alternative, particularly if you value a robust customer service experience. Their claims process is often cited favorably.

Families should consider Travel Guard, whose plans often include excellent child-specific benefits, like coverage for lost or damaged belongings or even trip interruptions due to child illness. C&F Travel Insured enjoys an impeccable reputation built on years of reliable service and straightforward claims handling – vital when things go wrong abroad.

Pre-existing conditions? Tin Leg Travel Insurance specializes in this area, offering comprehensive coverage for travelers with health concerns often excluded by other providers. It’s crucial to read the fine print carefully and disclose all relevant medical history. For the digital nomad lifestyle, with its extended travel periods and frequent location changes, WorldTrips often proves ideal, thanks to its flexible plans and extensive global coverage.

Remember to always compare quotes based on your specific itinerary, activities (e.g., adventure sports require specialized coverage), and health profile. Don’t skimp on insurance; it’s your financial safety net in unforeseen circumstances. Checking independent reviews from sources like Consumer Reports before committing can also provide valuable insights.

What is the best travel insurance for international travel?

Choosing the “best” travel insurance is subjective and depends heavily on your individual needs and trip specifics. However, some consistently well-regarded options include Nationwide, often praised for its comprehensive coverage; AXA Assistance USA, a strong runner-up offering solid protection; and Travel Guard, a popular choice for families due to its child-specific benefits. For travelers prioritizing a company with a long-standing reputation for reliable claims processing, C&F Travel Insured is frequently recommended.

Tin Leg stands out for its more flexible approach to pre-existing conditions, a crucial factor for many travelers. WorldTrips caters well to digital nomads with features tailored to their extended and often location-independent travel styles. Finally, Trawick International offers competitive pricing for budget-conscious travelers, but always carefully compare coverage levels at this price point.

Remember to check policy details meticulously, paying close attention to what’s covered (and what isn’t), especially regarding medical emergencies, trip cancellations, lost luggage, and emergency evacuation. Consider the level of coverage you need versus your budget and risk tolerance. Read reviews from other travelers before making a decision, as experiences can vary significantly. Don’t solely focus on price – adequate coverage is paramount.

What is the best international travel insurance for seniors?

Finding the right travel insurance as a senior can feel overwhelming, but it’s crucial for peace of mind. After extensive research and years of globetrotting, I’ve found Allianz consistently delivers superior coverage.

High Coverage Limits: This is paramount. Medical emergencies abroad can be incredibly expensive, and Allianz’s generous limits provide significant protection against crippling financial burdens. Don’t underestimate the potential costs; a single airlift can easily reach tens of thousands of dollars.

Customizable Plans: One-size-fits-all policies rarely work. Allianz allows you to tailor your coverage to match your specific trip needs and budget. You can choose levels of medical, baggage, and trip cancellation coverage to precisely fit your itinerary and risk tolerance. This level of customization is a significant advantage, allowing seniors to focus on what truly matters: enjoying their trip.

Pre-existing Condition Coverage (Optional): This is a game-changer for many seniors. Many insurers exclude pre-existing conditions; Allianz offers optional coverage that can ease worries about managing pre-existing health issues while traveling. Remember to disclose all relevant medical information accurately when applying.

Important Considerations: While Allianz excels, always compare several insurers. Pay close attention to the fine print – specifically exclusions and claim processes. Read reviews and check independent ratings before making your final decision. The right travel insurance policy is an investment in a worry-free journey.

Does AAA or AARP offer travel insurance?

AAA’s got you covered, teaming up with Allianz for over 30 years to provide rock-solid travel insurance for their members. This isn’t your grandma’s insurance; we’re talking about coverage for serious adventures.

Key things to consider:

Coverage Types: They offer various plans, from basic trip cancellation to comprehensive packages covering medical emergencies, lost luggage (essential if you’re backpacking!), and even trip interruptions due to unforeseen circumstances like natural disasters or political instability. Read the fine print carefully to ensure the plan suits your specific adventure.
Activity Coverage: Crucially, check if your chosen activities—think whitewater rafting, mountaineering, or even just a daring hike—are covered. Some plans exclude extreme sports, so be sure it’s suitable for your planned itinerary.
Pre-existing Conditions: Many policies handle pre-existing conditions differently. If you have any health concerns, it’s critical to fully understand the limitations before purchasing.

Why Allianz partnership matters:

Reputation: Allianz is a globally recognized and reputable insurer, offering peace of mind when venturing off the beaten path.
Claims Process: A smooth claims process is essential when things go wrong. Research Allianz’s claims process beforehand—look for reviews and feedback on their responsiveness and efficiency.

Pro Tip: Don’t wait until the last minute to purchase your travel insurance! Secure it as soon as you book your trip to avoid any surprises. Also, compare different plans and coverage levels before you commit.

Do Medicare plans cover international travel?

No, Medicare doesn’t cover healthcare abroad. Think of it this way: your Medicare card is your passport to American healthcare, not a global one.

However, there’s a crucial exception: Emergency care near the US border.

If you’re in the US and require emergency treatment, and the nearest appropriate hospital is across the border (like in Canada or Mexico), Medicare might cover inpatient hospital costs, ambulance transport to that facility, and dialysis.

Important considerations for international travel and healthcare:

Travel insurance is essential: Supplementing Medicare with robust travel insurance is absolutely vital for international trips. This covers medical emergencies, evacuations, and other unexpected expenses not covered by Medicare.
Check your policy carefully: Travel insurance policies vary widely. Understand what’s covered (and what isn’t) before you go – medical emergencies, repatriation, lost luggage, and trip cancellations are all important areas to consider.
Consider a global health insurance plan: For frequent international travelers, a dedicated global health insurance plan might be a more cost-effective and comprehensive solution than relying on travel insurance for every trip. These plans often provide better coverage and easier access to care worldwide.
Inform your healthcare providers: Before embarking on any international trip, particularly if you have pre-existing conditions, consult your doctors. Obtain any necessary documentation and prescriptions, ensuring they’re valid internationally.

Does Blue Cross Blue Shield cover me internationally?

Yes, your Blue Cross Blue Shield membership provides international coverage through the Global Core program. This isn’t just a promise; it’s a network I’ve personally tested across dozens of countries. Forget worrying about exorbitant medical bills in unfamiliar territories.

Here’s what that means for you:

Access to a global network: Don’t expect a seamless, identical experience to your domestic care, but you’ll find participating providers – doctors, hospitals, and clinics – in countless locations. My travels have shown me this network extends far beyond typical tourist hotspots.
Reduced costs: While you won’t get the same exact level of coverage as at home, you’ll still receive significant discounts and negotiated rates at participating facilities, saving you thousands compared to self-paying.
Pre-trip planning is crucial: Don’t just assume coverage. Understand your plan’s specifics before departing. Knowing your plan’s limitations – especially regarding pre-authorization requirements for specific procedures – can prevent costly surprises. I’ve learned this firsthand!

Key considerations for international travel with BCBS:

Check your policy details: Coverage levels and specific benefits vary by plan. Scrutinize your policy documentation before heading abroad.
Understand emergency services: Emergency medical care is usually covered, but the process may differ significantly from your domestic experience. Be prepared to provide necessary documentation quickly.
Carry necessary documentation: Always carry your insurance card and contact information for Blue Cross Blue Shield Global Core. Having a digital copy is also advisable.
Familiarize yourself with the claim process: Submitting claims internationally may involve extra steps. Knowing the process beforehand can streamline things significantly. I can’t stress this enough based on my experience.

In short: Blue Cross Blue Shield Global Core offers valuable peace of mind, but proactive preparation is your best defense against unexpected healthcare costs abroad. It’s a solid safety net, but not a foolproof guarantee of identical domestic coverage.

What is the best health insurance for international travel?

Planning a trip abroad? Don’t leave home without comprehensive travel insurance. Choosing the right plan can be daunting, so I’ve compiled a list based on my extensive travel experience, focusing on insurers renowned for their global coverage and reliable service.

My Top 4 International Medical Insurance Providers:

1. Cigna Global: Consistently ranked highly, Cigna offers robust coverage, excellent customer service (a major plus in emergencies), and a wide network of medical providers worldwide. Their plans often include evacuation and repatriation benefits, crucial for peace of mind in remote locations.

2. GeoBlue Xplorer: This insurer specializes in international travel insurance. They excel in providing access to quality medical care, even in less-developed regions. Their plans usually include 24/7 assistance, making them a reliable choice for adventurous travelers.

3. IMG Global Medical Insurance: IMG is a solid option for both short-term and long-term international trips. They are known for their straightforward policies and competitive pricing. Consider them if you need a balance of coverage and affordability.

4. William Russell: A reputable provider offering tailored plans for various travel needs, from backpacking adventures to extended stays abroad. They often offer options with varying levels of coverage to match your budget and risk tolerance. Check their offerings carefully to find the best fit.

Important Considerations: Remember that “best” depends on your individual circumstances. Factors to consider when choosing your policy include the length of your trip, your destination(s), your activities, pre-existing conditions, and your budget. Always carefully review policy details, paying close attention to exclusions and limitations.

Pro Tip: Don’t solely focus on price. Prioritize comprehensive coverage and excellent customer support. A small premium difference could mean a significant difference in service during a medical emergency far from home.

How does Blue Cross Blue Shield Global work?

Blue Cross Blue Shield Global’s Core program provides worldwide medical access, covering doctors and hospitals in nearly 200 countries and territories. This isn’t just a simple directory; it’s a crucial safety net for intrepid travelers venturing far off the beaten path. Think of it as your personal medical concierge service, available 24/7. While the program offers extensive international coverage, remember that specific benefits and procedures covered can vary depending on your plan. Always check your policy details before you depart, especially if you’re planning adventurous activities or visiting regions with limited medical infrastructure. Knowing your plan’s limitations beforehand can prevent unexpected financial burdens. The service center should be your first point of contact for finding providers, arranging appointments, and handling emergencies abroad. They can offer guidance on navigating local healthcare systems, a critical aspect of international travel, often saving you time and stress in unfamiliar environments. Directly contacting the service center is vital, not only for emergencies, but also for pre-trip planning and potentially securing needed authorizations for specific treatments.

Which international health insurance is best?

Choosing the “best” international health insurance depends heavily on your individual needs and travel style. There’s no one-size-fits-all solution. However, several plans consistently receive positive feedback.

Top contenders often include:

Aditya Birla Global Health Secure: Known for its comprehensive coverage, often including pre-existing conditions (check policy specifics!), but may have higher premiums.
HDFC ERGO Optima Secure Global Plus: A popular choice offering a balance between cost and coverage. Look into its specific exclusions carefully.
ICICI Lombard International Travel Insurance: Often favored for its ease of claim processing and good customer service, though coverage levels might vary depending on the selected plan.
Niva Bupa Travel Assure: A strong contender; evaluate its different plan options to find the one that best aligns with your trip’s length and planned activities.
Care International Travel Insurance & Care Student Explore: Specifically designed with students and potentially longer-term travelers in mind. Coverage specifics are important to review.
SBI Travel Insurance (Business and Holiday): A reliable option, especially suitable for business trips. Check if it caters to the type of travel you’re undertaking.

Factors to consider when selecting a plan:

Coverage amounts: Ensure the policy covers medical emergencies, evacuations, and repatriation costs adequately.
Pre-existing conditions: Many plans have limitations. Clarify coverage for any existing health issues.
Activities covered: Adventure sports often require supplemental coverage. Check if your planned activities are included.
Claim process: Read reviews and look for companies with a reputation for smooth and efficient claims handling.
Customer service: Access to 24/7 support is invaluable in case of emergencies.
Geographic coverage: Confirm that the policy covers your entire travel itinerary.

Don’t just focus on the brand name. Always compare detailed policy documents from multiple providers before making a decision.