Travel insurance is necessary for not only traveling to India, rather, for any place in this world. Travel insurance acts as additional security in the case of unforeseen eventualities like cancellation or interruption of travel plans, lost or damaged luggage, travel delays, illness, accident, etc.
If you are not covered by travel insurance, any personal tragedy will be further compounded by a financial burden. Though each and every mishap is not covered by travel insurance, still, it covers most of the unfortunate circumstances. Check the small print of your insurance policy carefully to see if there is any exclusion. If anything goes wrong, you need to file a claim. For the purpose, keep your boarding passes, ticket copies and receipts for expenses paid during your trip as a proof.
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