What is travel health insurance? And do we really need it or is it just some gimmick by travel and tour companies? Do we need it even if we are extremely careful about everything while travelling and are sure that we will not get into any troubles? Well, travel health insurance is a type of insurance policy designed to cover medical expenses and health-related emergencies that may occur while travelling, either domestically or internationally. It provides financial protection against unexpected healthcare costs, such as hospitalization, doctor consultations, medications, or emergency medical evacuation, ensuring travelers can access necessary care without significant out-of-pocket expenses. And believe it or not, medical expenses abroad can go very steep most of the time.For worry-free trips, whether to nearby destinations or international locations, it’s good to understand what this is all about. Here are five key points to consider before purchasing a policy.

Coverage scope and exclusions

Travel health insurance typically covers medical emergencies, such as hospitalization, doctor visits, and emergency medical evacuation. Policies vary so some may even include coverage for trip cancellations, lost luggage, or dental emergencies. But most of these policies focus solely on health. Some policies also exclude pre-existing conditions, routine check-ups, or high-risk activities like adventure sports. However, there are specialised coverages for these cases, and they differ from insurer to insurer. unless specifically added. Remember to read the policy’s fine print to confirm what’s covered.

Destination-specific requirements

Some countries require proof of travel health insurance for visa approval or entry. For example, it is mandatory to have minimum medical coverage of EUR 30,000 for Schengen countries, for medical emergencies.

Check carefully coverage limits and claim process

Policies have limits on coverage amounts and may require upfront payment with reimbursement later or direct billing with partnered hospitals. Do check with the insurer whether they have a 24/7 helpline and a network of hospitals for cashless treatment. A complex claim process can be problematic during emergencies.

Consider health and travel plans

Do you or your loved ones have pre-existing medical conditions? Pre-existing conditions like diabetes or heart disease may require additional coverage as some policies don’t cover these. If you plan adventure activities, ensure the policy covers such risks. There are chances of getting sick while travelling or even getting injured, make sure the insurance plan covers all these. A comprehensive medical coverage is what we are looking at. It’s good to disclose all medical conditions when applying to avoid claim rejections.

Compare costs and reputable providers

A basic policy for a week-long international trip might cost INR 1700-2000, while comprehensive plans with higher limits can exceed the aforementioned amount. Don’t choose solely based on price. Cheaper policies may seem desirable, but some tend to skimp on coverage. Some even have poor claim support. You don’t want that headache. It’s always good to compare costs from as many reputed insurers as one can. Do check what al they cover. Also, while not all customer reviews can be fully trusted, don’t skip this process as it may give you a general idea.

MIAMI, Aug. 06, 2025 (GLOBE NEWSWIRE) — Trawick International, a leading provider of international insurance and assistance services, today announced a major expansion to its travel protection offerings, including a new suite of trip cancellation plans underwritten by AmTrust Financial and enhanced traveler benefits through strategic partnerships with Blink Parametric and Runway Health. This launch marks a bold step forward in Trawick’s commitment to reimagining travel insurance with more flexibility, personalized support, and proactive service for today’s travelers. At the heart of the launch is the introduction of the new Pathway Collection, a tiered lineup of trip cancellation insurance plans designed to meet a range of traveler needs. The new plans are now available to U.S. residents and are underwritten by AmTrust Financial, a global specialty insurer:

• Pathway Premium – Highest level of travel protection and travel medical available, with options to add on Cancel for Any Reason (CFAR), Interruption For Any Reason (IFAR), Adventure and Extreme Sports coverage, and Rental Car Damage
• Pathway Plus – Balanced blend of travel protection and medical coverage, with option to add Adventure and Extreme Sports coverage and Rental Car Damage
• Pathway Essential – Core trip cancellation and travel medical coverage for value-driven travelers
• Pathway Domestic – Trip cancellation and interruption benefits tailored to U.S.-based travel

Bailey Foster, SVP, Travel Insurance for Trawick International, commented, “With the Pathway plans, we set out to create a smarter, more intuitive approach to trip cancellation coverage that reflects how people travel today. From flexible benefit levels to new service features like airport lounge access and personalized pre-travel medical support, this launch raises the bar for what travelers should expect from their insurance. It’s not just about covering risk; it’s about delivering value at every step of the journey.” In addition to the new portfolio of plans, Trawick is also introducing two innovative service enhancements available with these and other select plans:

• Traveler Lounge Pass, powered by Blink Parametric, provides complimentary airport lounge access if a traveler’s registered flight is delayed by more than two hours.
• Pre-Travel Medical Readiness Consultation, offered in partnership with Runway Health, gives travelers access to an online physician consultation and personalized prescription medicine travel kit for common travel-related health issues.

Daryl Trawick, President & CEO, Trawick International, commented, “This launch marks a significant step forward in our long-term strategy to lead the market with intelligent, customer-centric innovation. As the needs of the globally mobile population evolve, so must the solutions designed to protect them. By introducing services that proactively enhance the travel experience, we’re not just expanding our portfolio, we’re redefining what modern travel insurance can and should be. All products and services announced today are now available and can be explored at https://trawickinternational.com/pathway-collection. About Trawick International For over 25 years, Trawick International has been a leading provider of international insurance, administration, and assistance services. The company offers a full suite of innovative products and services designed to support today’s globally mobile population. For more, visit trawickinternational.com and trawickholdings.com. Media Contact Emily Tarkany Vice President of Marketing Trawick International [email protected]

Union Minister Ashwini Vaishnaw. File