Top Travel Insurance Myths Debunked

Oct 15, 2025 • 3 Min Read

Many travellers underestimate the importance of travel insurance. A 2023 survey found that 76% of international travellers from India didn’t buy travel insurance for their last trip, mainly due to a lack of awareness.

This lack of understanding has given rise to numerous travel insurance myths that can hinder travellers from making informed decisions. Misconceptions can lead to costly mistakes, so let’s debunk 10 common myths so you can travel confidently.

Common Travel Insurance Myths

Myth 1: I Don't Need Travel Insurance for Short Trips

Of the 76% of Indians who didn't purchase international travel insurance, many cited short trip duration as a key reason. Trip length doesn’t determine the likelihood of disruptions. Imagine falling ill or losing baggage during a weekend trip — international travel insurance ensures you’re covered, regardless of trip duration.

Myth 2: My Credit Card Travel Insurance Covers Everything

While some credit cards offer travel insurance, they often have restrictions. Compare their coverage against standalone travel insurance before relying on them entirely.

Credit Card Insurance	Standalone Travel Insurance
Limited benefits and coverage	Comprehensive benefits and coverage
May not cover pre-existing conditions	Limited coverage for pre-existing conditions
Lower coverage limits	Higher coverage limits
May not include emergency medical evacuation	Often includes emergency medical evacuation

Myth 3: Pre-Existing Conditions Are Always Excluded

This is a prevalent myth of travel insurance. While some policies may have limitations or exclusions related to pre-existing conditions, restricted cover is usually provided in the event of a life-threatening condition arising out of a pre-existing condition.

Myth 4: Travel Insurance Only Covers Medical Emergencies

While medical emergencies are a significant aspect of travel insurance, the coverage extends far beyond that. Comprehensive travel insurance policies cover more than medical issues, including trip cancellations, baggage loss, travel delays and emergency evacuations.

These benefits can provide financial protection and support in various situations that may impact your trip.

Myth 5: Travel Insurance is Too Expensive

One of the most persistent international travel insurance myths is that it is too costly. Travel insurance costs a fraction of a trip but can save lakhs in medical bills and cancellations— making it a small price to pay for significant protection.

When weighing the cost of travel insurance against the potential risks, it becomes clear that it is a wise investment for your peace of mind and financial protection.

Myth 6: I Can Buy Travel Insurance Anytime

A common misconception is that you can purchase travel insurance at any point. While some policies allow last-minute purchases, it is ideal to buy travel insurance as soon as you book your trip.

Buying early maximises benefits like trip cancellation coverage, ensuring complete protection.

You cannot purchase a travel insurance policy once your journey has commenced. Hence, please purchase your travel insurance prior to the commencement of your journey.

Myth 7: I Won't Get Reimbursed for Trip Cancellations

Some travellers believe that travel insurance won't reimburse them for trip cancellations, but this is false. Trip cancellation coverage is a feature in many comprehensive travel insurance policies. Trip insurance reimburses cancellations due to death, illness, disasters, covering non-refundable expenses.

Myth 8: Adventure Sports Are Covered Under Standard Policies

For travellers who enjoy adventure sports and activities, it is crucial to understand that standard travel insurance policies may not provide coverage for these pursuits. Activities like skiing, scuba diving, bungee jumping, or mountain climbing often require additional coverage. Check your policy before booking activities.

Myth 9: Making a Claim Is a Complicated Process

Some travellers avoid buying travel insurance because they believe making a claim is complex and time-consuming. Filing a claim is simple — keep receipts, report incidents promptly, and follow insurer guidelines for a smooth process. Most insurers allow you to submit claims online.

Protect Your Travels

Travel insurance myths can lead travellers astray and leave them vulnerable to financial losses and unexpected challenges during their trips. By debunking these common misconceptions and understanding the true value of travel insurance, you can make informed decisions to protect yourself and your travel investment.

Remember, travel insurance is not a luxury but a necessity. It provides peace of mind, financial protection, and assistance when needed. Don't let travel insurance myths hold you back from exploring the world with confidence. Choose Royal Sundaram as your international travel companion and embark on your adventures with peace of mind.