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India Travel Insurance
 
Though India is amongst the safest countries for foreign tourists, it is always advisable to get a travel insurance done before you start your journey anywhere in the world. Travelling abroad involves risks of various kinds, such as unforeseen medical expenses, hospitalization, loss of baggage or documents etc. Paying for these mishaps can prove expensive, particularly when they need to be paid in foreign currency. Travel insurance is indemnity that is intended to cover medical expenses, financial default of travel suppliers, and other losses incurred while travelling, either within one's own country, or internationally.

Aside from medical care, travel insurance can protect you in the case of lost or stolen luggage and personal effects, trip cancellation, personal liability, funeral expenses (without wanting to sound morbid, dying overseas can be very very expensive), emergency dental treatment and evacuation back to your country of residence.

There's all manner of add-ons covering matters like expensive camera gear and gizmos like laptops and iPods, more adventuresome pursuits and even some special needs, but for many travellers a general travel insurance policy should provide a good starting point.

Usually, the cost of travel insurance is based on the type of cover requested, the age of the insured, the destination of travel, length of stay and any pre-existing medical conditions. A wide range of travel insurance policies are available so shop around, including online, finding the policy that best suit your circumstances and travel plans.

A few things to watch out for while getting travel insurance:

While you're battling your way through the small print, keep in mind the following potential pitfalls.

Dangerous activities
Many insurers consider motorcycling, diving, parachuting, hot-air ballooning and many other largely safe activities as hugely dangerous pursuits. Falling off your motorbike, breaking your arm and spending a few days in hospital will only be more painful if your insurer tells you the bill is all yours.

Country exclusions
No point in having travel insurance for your trip to Laos if it doesn't cover Laos.

Working exclusions
Will you be working during your trip? If so, check that pouring those drinks in a bar on Ko Phi Phi won't void your travel insurance.

Maximum amount per item
You don't want your $1,500 camera stolen only to find out your insurer has a maximum payout per item of $250.

Excessive excess
The excess is the amount you have to pay to lodge a travel insurance claim. If the stolen goods part of your policy has an excess of $100 and you have a camera worth $120 stolen, you must pay the first $100. Some travel policies have excesses so high it is hardly ever worth claiming.