An open suitcase at Mumbai International Airport, a missed connection in Doha, or a toothache in Prague can ruin any vacation. Spending limits are limited, and finding help becomes difficult. This is why Indian travellers carry something other than a passport: foreign travel insurance. While such a policy doesn’t guarantee results, it provides a structure and a framework for dealing with unforeseen circumstances within established limits.

This article covers the topic of overseas travel insurance, including its coverage and exclusions, and selects the best option. It also explains when one must obtain such insurance and the paperwork that expedites the claims process.