Quote matched to your trip
Destination, number of days, passenger age, and coverage limit are reviewed so the policy aligns with the actual needs of your journey.
About this service
Travel insurance is designed to manage the costs of unexpected events such as a medical emergency, hospitalisation, medical evacuation, delayed or lost baggage, and certain other travel disruptions. The type and coverage limit vary between policies, and the right choice should be based on your destination, the passenger's age, trip duration, visa requirements, and medical history. Once Adineh receives your trip details, available plans are quoted and — before issuance — the coverage terms, deductible, exclusions, and assistance company information are provided for your comparison.
Why get this service from Adineh?
Coverage suitable for a visa file
For destinations such as Schengen, the policy conditions are checked against the coverage requirements stated by the visa authority.
Guidance on using it at your destination
The assistance company number, how to report a claim, and which documents to keep after an incident are explained to you before departure.
Common travel insurance coverages
The exact terms of each plan are set out in the policy wording. The coverages below appear in many travel insurance products, but the presence and limit of each item must be verified before purchase.
- Emergency medical costs including consultation, medication, and hospitalisation due to sudden illness or accident
- Medical evacuation to an appropriate facility, or repatriation of the insured, as directed by the assistance company
- Emergency dental treatment to relieve acute pain, within the contract limit
- Delayed baggage follow-up, compensation for prolonged delay, or confirmed total loss based on the carrier's documentation
- Assistance in the event of lost passport or travel documents
- Emergency return or companion transfer under the conditions stated in the policy
What factors determine the price of travel insurance?
The premium is not a fixed figure for all trips. A longer duration, older passenger age, broader geographic scope, and higher coverage limits typically affect the price.
- Age of each passenger and the insurer's age restrictions
- Trip duration or number of days requested
- Destination country or geographic area covered
- Medical cost limit and other selected coverage amounts
- Single-trip versus multi-trip plan, where offered
The cheapest policy is not necessarily the best choice. Compare coverage limit, deductible, assistance network quality, and contract exclusions alongside the price.
How to use travel insurance when an incident occurs
At the first opportunity, call the assistance company number printed on your policy, state your policy number and location, and get instructions before paying large expenses. The assistance company may settle costs directly with the medical provider, or may ask you to pay first and submit original documents for reimbursement.
Keep the medical report, prescription, official invoice, payment receipt, police or airline report, and all correspondence with the assistance company. The claim deadline and submission method are specified in the policy terms.
Important exclusions and limitations
Items outside coverage vary between insurers, but pre-existing conditions, elective treatment, intentional or illegal conduct, and high-risk activities without additional coverage are commonly excluded or restricted.
- Known pre-existing illness or condition, unless it is explicitly covered
- Cosmetic treatment, a scheduled check-up, and treatment that is not a medical emergency
- Incidents related to alcohol or substance use, intentional self-harm, and criminal acts
- Professional sport or high-risk activity without purchasing the relevant add-on coverage
- War, civil unrest, pandemic, or specific disasters as defined in the policy exclusions
- Costs incurred without the required authorisation from the assistance company
Frequently asked questions
When should travel insurance be purchased?
It is best purchased once your travel dates are confirmed and before you leave the country. Many plans cannot be issued after travel has started or after departure, so do not leave it to the last hour.
Is travel insurance required for a Schengen visa?
Travel medical insurance that meets Schengen requirements — valid across the entire Schengen area for the full duration of the trip — is a core document in a short-stay visa file. The specific conditions accepted must be matched against the consulate's checklist.
Does travel insurance cover pre-existing conditions?
Most standard policies exclude or restrict pre-existing conditions and their complications. The precise definition of a pre-existing condition and the applicable exclusions must be read in the terms of the specific policy.
Do I have to pay first and then claim?
Depending on the country, type of incident, and assistance company, settlement can be direct with the medical provider or reimbursement after you submit documents. Always contact the assistance company's number before taking action, except in a life-threatening emergency.
Does travel insurance cover lost or delayed baggage?
Some plans offer this coverage with a specified limit, minimum delay period, and required documentation. An official airline report and receipts for essential items purchased during the delay are typically required, and any compensation from the carrier is factored into the calculation.
Important note before submitting
The binding terms of the insurer's obligation are the policy wording and the specific conditions of the issued plan. Before purchase, verify the passenger name, dates, destination, coverage limit, deductible, and exclusions.