Vistara Travel Insurance

Safeguard your future travels with Vistara Travel Insurance. The travel insurance helps you prepare for the unexpected - from flights delays, cancellations to medical needs; Vistara, in partnership with Bajaj Allianz, will make sure you are completely covered and at ease when you book with us. Our policies also cover medical & hospitalization expenses pertaining to COVID-19.

Whether you are planning an adventure on the snowy slopes or relaxing by the beautiful beaches, travelling overseas is always an exciting experience.

Add Vistara Travel Insurance that safeguards you against any adversities during your trip and allows you to travel with complete peace of mind. With Vistara, you will be covered for many unforeseen costs incurred and can travel stress-free.  

Introducing Vistara Travel Insurance

What is Vistara Travel Insurance?

Vistara Travel Insurance is a travel insurance product exclusively designed for Vistara customers and is only available on www.airvistara.com. It protects you from certain unexpected events during your trip such as medical expenses, personal accident, travel inconvenience, etc.

This is subject to the terms, conditions, exclusions, and benefits limits of the policy wording.

This product is underwritten by ‘Bajaj Allianz General Insurance Company Limited’ as the insurer with the assistance services provided by ‘AWP Assistance (India) Private Limited’ (trading as ‘Allianz Travel’ in India) as its Corporate Agent. In no way does Vistara airlines represent to be an agent of the insurer.

Who can purchase Vistara Travel Insurance?

Travel Insurance is valid for Indian resident(s)/Indian Passport Holders aged up to 70 years and for those who are traveling on non-migrant visa wherein the journey is originating from India (only). The insurance does not cover any pre-existing diseases.

How can I apply for Vistara Travel Insurance?

The Travel Insurance product can be added to your itinerary while making booking your flight on www.airvistara.com. Alternatively, you may purchase Travel Insurance via Manage My Booking on www.airvistara.com.

When can I purchase Travel Insurance?
You can purchase travel insurance when your flight departure date is a maximum of 90 days from the date of booking. Under no circumstance will travel insurance be offered if the flight departure date is more than 90 days from the flight booking date.

Can I purchase Vistara Travel Insurance if I’m travelling only One-Way?

Yes, if your policy was purchased as part of a one-way booking, your coverage end date will be the scheduled return date for your trip as below:

• Domestic insurance: maximum 30 days from the departure date or return date; whichever is earlier.

Additionally, your policy can end earliest at:

1. At 23:59 on the day you cancel your policy; or
2. At 23:59 on the day you file a trip cancellation claim with us;
3. At 23:59 on the day you end your trip, if you end your trip early;
4. At 23:59 on the day you arrive at a medical facility for further care if you end your trip due to a medical reason; or
5. At 23:59 on the 30th of the domestic trip

I am travelling to multiple destination on Vistara, will I be able to purchase Travel Insurance?

Yes, you will be able to purchase Vistara Travel Insurance. We will use the furthest destination as the final duration and premium for your itinerary.

Benefits of Vistara Travel Insurance

When does my travel coverage begin and end?

You are only eligible for coverage if we accept your request for insurance. Your policy’s coverage effective date/trip start date and coverage end date are indicated in your certificate of insurance. You must start and end your trip in India.

Coverage is only provided for losses that occur while your policy is in effect.

Except for one-way and same-day return trips, the departure date and return date that you provided at time of purchase are counted as two separate days of travel basis which we calculate the duration of your trip.

Your policy ends on the coverage end date listed in your certificate of insurance. However, there are situations where your policy may end on a different date. If your policy was purchased with a one-way booking, your coverage end date will be the scheduled return date for your trip as below:

• Domestic insurance: maximum 30 days from the departure date or return date; whichever is earlier.

Additionally, your policy can end earliest at:

1. At 23:59 on the day you cancel your policy; or
2. At 23:59 on the day you file a trip cancellation claim with us;
3. At 23:59 on the day you end your trip, if you end your trip early;
4. At 23:59 on the day you arrive at a medical facility for further care if you end your trip due to a medical reason; or
5. At 23:59 on the 30th day of the domestic trip

However, if your return travel is delayed due to a covered reason, we will extend your coverage period until the earlier of when you are able to return to your point of origin or primary residence, or until you arrive at a medical facility for further care following a medical repatriation or trip interruption.

This policy applies for a specific trip and cannot be renewed.

Can I continue my medical treatment after I return to India?

Yes, we will pay up to the maximum benefit listed in your Coverage Summary for your continuing medical treatment in India.

The following conditions apply:

1. We will not pay for continuation of medical treatment for longer than 14 days after the date you return to Singapore.
2. The illness, injury or condition must have occurred during your trip, and you must have sought medical treatment abroad.
3. For claims related to COVID-19, you must have received a positive COVID-19 test abroad.

Can I cancel my Vistara flight booking for any reason and get a full refund of my air fare because of the Trip Cancellation Benefit in my policy?

The Trip Cancellation and Trip Interruption benefits in your policy only cover the non-refundable portion of your air fare and other trip costs if you cancel, postpone, or cut your trip short due to covered reasons. This includes serious sickness or death in your family that would prohibit you from continuing with your trip. Pre-existing medical conditions of self or family members are not covered.

Where can I get the full Policy Wording of Vistara Travel Insurance Policy?

For domestic policy wording, click here and for international policy wording, click here.

COVID-19 Coverage under Vistara Travel Insurance

What are the key benefits for COVID-19 coverage under Vistara Travel Insurance?

Vistara Travel Insurance does cover medical & hospitalization expenses pertaining to COVID-19.

Benefits for COVID-19 coverage are covered up to the Medical Expenses benefit’s sum insured mentioned in each travel insurance plan.

When does the COVID-19 coverage cease for the customer?

The COVID-19 coverage will cease as per the return date mentioned on your policy document.

If your policy was purchased with a one-way booking, your coverage end date will be the scheduled return date for your trip as below:

• Domestic insurance: maximum 30 days from the departure date or return date; whichever is earlier.

When travelling from India to international destinations:

If a customer is quarantined upon return to India, is he/she covered?

No, the policy does not cover quarantine in India on return.

If a customer tests positive for COVID-19 after arriving back in India, is he/she covered for medical expenses in India?

No, Vistara Travel Insurance will cover the necessary and reasonable medical costs incurred during the overseas trip, as a result of the customer contracting COVID-19 during the overseas trip. We will pay up to the maximum sum insured limit mentioned against Medical Expenses benefit in each travel insurance plan.

The following conditions apply:

1. We will not pay for continuation of medical treatment for longer than 14 days after the date you return to India.
   
2. The illness, injury or condition must have occurred during your trip, and you must have sought medical treatment during your trip.
3. For claims related to COVID-19, you must have received a positive COVID-19 test during your trip.

The following conditions and exclusions apply:

1. The care must be medically necessary to treat an emergency condition, and such care must be provided by a doctor, dentist, hospital, or other provider authorised to practice medicine or dentistry.
2. This coverage will not pay for continuation of medical treatment in India, unless you qualify for the additional covered reasons above;
3. This coverage will not pay for any care for any illness, injury, or medical condition that did not originate during your trip abroad.
4. This coverage will not pay for non-emergency care or services, such as:
   1. Elective cosmetic surgery or care;
   2. Annual or routine exams;
   3. Long-term care;
   4. Allergy treatments (unless life threatening);
   5. Exams or care related to or loss of/damage to hearing aids, dentures, eyeglasses, and contact lenses;
   6. Physical therapy, rehabilitation, or palliative care (except as necessary to stabilise you);
   7. Experimental treatment; and
   8. Any other non-emergency medical or dental care.
5. You must not have travelled against the orders or advice of any government or other public authority at any location to, from, or through which you are travelling on your trip.

After purchasing Vistara Travel Insurance

What should I do if I did not receive my Insurance Confirmation in my inbox?

If you would still like to receive a copy of your Insurance Confirmation for your records, please email us at travel@allianz.com with your request including your Full Name, Date of Purchase, Confirmation Number (if available), Travel Dates and Email Address.

I have updated my Vistara flight booking. How can I change the details of my travel insurance policy?

If you wish to make changes to your policy, please email us at travel@allianz.com.

Please note that changes to your policy will only be entertained if there were changes made to your Vistara flight booking.

Can I cancel my travel insurance policy and receive a refund?

Yes, cancellations are allowed before trip inception/start date after the receipt of your certificate of Insurance. No cancellation is allowed thereafter.

Please contact us via email at travel@allianz.com.

Coverage and Claims:

What should I do if I fall sick or encounter an accident abroad?

Please contact Allianz 24-hour Emergency Assistance at +91 124 4343838 if you need medical assistance while travelling. This service is provided by Allianz Assistance. Please retain the original copies of your receipts to ensure a smoother claim process.

How do I file for a claim?

Claims form can be downloaded by clicking on claim form.

Filled up claim form and all related documents/original receipts may be shared via email to travel@allianz.com.

Is there a cut-off time for filing my claims?

Yes, you have to notify us of your claim no later than 30 days after the occurrence of the claimable event.

How long does it take to process my claims?

As a Vistara customer, your claim will be processed as a priority. Bajaj Allianz endeavors to complete the claims review process within seven (7) working days upon receipt of all necessary documents.

Information pertaining to the customers will be dealt strictly in accordance with applicable laws of respective countries with respect to data privacy, including without limitation, the Information Technology Act 2000, the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules 2011, and the European General Data Protection Regulation (EU/2016/679) (“GDPR”), and any amendments/modifications thereof, to the extent it applies to such personal data.

This product is underwritten by ‘Bajaj Allianz General Insurance Company Limited’ as the insurer with the assistance services provided by ‘AWP Assistance (India) Private Limited’ (trading as ‘Allianz Travel’ in India) as its Corporate Agent. In no way Vistara airlines represents to be an agent of the insurer.