Trip Protection
Travel Insurance in Chennai — Schengen & Worldwide Cover
A travel insurance policy is both a visa requirement and the only thing standing between you and a foreign hospital bill. B2B Holidays issues single-trip, multi-trip, student and senior-citizen policies from leading Indian insurers — including Schengen-compliant cover with the €30,000 minimum sum insured that consulates verify.
- Schengen cover
- €30,000+
- Policy issued
- Same day
- Premium from
- ₹499
- Claims support
- 24×7
- Schengen, UK and US student policies that meet visa requirements exactly
- Emergency medical, evacuation and repatriation as standard
- Baggage loss, passport loss, flight delay and trip cancellation add-ons
- Policy PDF emailed the same day — in time for your visa appointment
Types of travel insurance we issue
Pick the plan that matches how often you travel and what the destination's rules demand.
- Single-trip: one journey, cover from departure to return
- Multi-trip annual: frequent business travellers, unlimited trips up to 30/45 days each
- Schengen-compliant: minimum €30,000 medical, valid across all 27 countries
- Student travel: tuition protection, sponsor protection, study interruption
- Senior citizen: entry age up to 85 with pre-existing condition options
- Group and corporate: 10+ travellers on one master policy
What a good policy actually covers
Cheap policies save a few hundred rupees and then decline the claim that matters. Here is what we insist on before recommending a plan.
| Benefit | Typical cover |
|---|---|
| Emergency medical & hospitalisation | $50,000 – $500,000 |
| Medical evacuation & repatriation | Actual cost, pre-approved |
| Trip cancellation / curtailment | Up to booked trip value |
| Checked baggage loss & delay | $500 – $1,000 |
| Passport loss assistance | Reissue cost covered |
| Personal liability | $100,000+ |
Reading the fine print before you buy
Three clauses decide whether a claim pays: the pre-existing disease definition, the adventure-sports exclusion, and the deductible per claim. We walk you through all three in plain language and match the plan to the trip — trekking in Nepal and a Dubai city break need very different policies.
How to claim while you are abroad
Cashless treatment is available at network hospitals in most countries; elsewhere you pay and get reimbursed.
- Call the insurer's 24×7 assistance number before treatment where possible
- Quote your policy number and ask for a cashless authorisation
- Keep every original bill, prescription and diagnosis report
- Report baggage or passport loss to local police within 24 hours
- Send us the documents — we follow the claim through to settlement
Frequently asked questions
Is travel insurance mandatory for a Schengen visa?
Yes. Every Schengen consulate requires travel medical insurance with a minimum of €30,000 cover, valid in all 27 Schengen countries for the full duration of stay, including repatriation. An application without it is refused on formality grounds.
How much does travel insurance cost from Chennai?
A one-week South East Asia policy starts around ₹499. A 10-day Schengen-compliant policy is typically ₹1,200–₹2,000, and a 30-day US trip for a traveller under 60 runs ₹2,500–₹4,000 depending on the sum insured.
Can I buy travel insurance after booking my flight?
Yes, and you should buy as soon as you have booked — trip cancellation cover only protects you for events that occur after the policy start date. For visa purposes the policy simply needs to be valid before your appointment.
Are pre-existing medical conditions covered?
Standard plans cover only life-threatening emergencies arising from a pre-existing condition. If you need fuller cover, we place you with insurers offering a declared pre-existing disease add-on, typically after a short medical questionnaire.
How fast can I get the policy document?
Same day in almost every case, and within a couple of hours if we already have your passport copy and travel dates. The PDF is emailed and accepted directly at VFS and consulate counters.