Before You Fly: Why Travel Insurance Is the Smartest Thing You’ll Pack

The Joy (and Jitters) of Taking Off

That feeling before a flight—bags zipped, playlists downloaded, boarding pass in hand—is always exciting. Whether it’s a short domestic getaway or a long international escape, air travel symbolises freedom. But let’s be honest, it also comes with unpredictability.

Consider situations like:

• Sudden flight delays or cancellations
• Lost or rerouted baggage
• Medical emergencies mid-journey
• Uncertain incident scenarios during travelling
• Unexpected expenses from extended layovers or rescheduling

These moments can turn a smooth journey into a stressful experience. And during such times, being financially prepared is just as important as packing wisely.

Travel Insurance: Not Just for International Trips

Many people still treat travel insurance as an optional add-on reserved for international vacations. However, even domestic trips carry risks that can cost you time, money, and peace of mind.

What travel insurance typically covers:

• Flight delays or cancellations, including reimbursements for missed connections or hotel stays
• Lost, delayed, or damaged baggage
• Loss of passport & travel-related documents
• Emergency medical expenses, especially critical in remote areas
• Trip interruptions due to health issues or natural events
• Personal accident cover during travel

“I had a short trip planned within India and my bag didn’t arrive with me. I had to replace essentials on the spot. Thankfully, my travel insurance reimbursed most of it.”
— Riya P., Solo Traveller

Takeaway: You don’t need an international stamp on your passport to justify travel insurance. Domestic disruptions are just as real and costly.

Travel-Ready Banking: Your Financial Safety Net

One of the most overlooked travel essentials is your banking paraphernalia. Whether it’s a debit card linked to your savings account or a travel-friendly credit card, these tools can offer critical support when plans go off track.

Many modern digital savings accounts and credit cards come with built-in travel-related benefits such as:

• Complimentary domestic and international travel insurance cover benefits on debit card & credit card like air/personal accident, loss of checked-in baggage, loss of passport & travel-related document, delay of checked-in baggage
• Lounge access (domestic/international) at select airports through debit or credit cards
• Cashback benefits on spends on fuel & flight booking
• Emergency booking assistance via concierge services
• Zero markup or low charges on international transactions

With RBL Bank’s GO Savings Account, you get more than just a digital-first banking experience. The account comes bundled with complimentary travel insurance, a globally accepted Go Debit Card. Whether you're planning a quick domestic trip or heading overseas, these built-in features can offer added financial security and travel comfort—without needing separate arrangements.

Did you know?

If you book your tickets using your RBL Bank Debit Card, you may already be eligible for complimentary travel insurance, depending on your account type. Reviewing your account benefits before opting for external insurance cover can help you make the most of what’s already available to you.

Unlocking Hidden Perks: Debit and Credit Card Benefits

Most people are unaware that their everyday banking cards (both debit and credit) can include valuable travel features. Here's what to look for:

Debit Cards (linked to premium & regular savings accounts) may offer:

• Complimentary travel insurance (domestic and international)
• Cover for lost baggage, delay in checked-in baggage, and loss of passport & travel-related documents
• Cashback benefits on spends on fuel & flight booking
• Access to airport lounges (domestic)
• Reduced or zero forex markup fees on international spending

Credit Cards may include, depending on the variant:

• Complimentary travel or accident insurance when tickets are booked using the card
• Emergency card replacement while abroad
• Access to travel concierge services or exclusive hotel discounts

Looking for more robust protection when travelling internationally?

The RBL Bank World Safari Credit Card is specially crafted for frequent flyers and global explorers. It offers complimentary international travel insurance, covering:

• Personal Liability Cover
• Trip Delay
• Baggage Loss
• Loss of Passport
• Emergency Dental Treatments

With zero forex markup and a suite of travel-friendly features, this card goes beyond payment, it becomes part of your travel support system.

Note - Complimentary travel insurance is applicable only for international travel. Cover details and conditions may vary based on card variant and policy terms. Please refer to the official terms and conditions for complete information.

Tip: Some benefits are auto-activated, while others may require pre-registration. Always review your debit or credit card terms before travelling.

The Mindset of a Prepared Traveller

While travelling brings excitement, one must also be well equipped to handle the unexpected. A little planning goes a long way, especially when it comes to your financial support system.

If your bank account can:

• Provide travel insurance without a separate application
• Offer 24x7 customer service
• Give you instant digital access to funds from anywhere

Then you’re not just travelling, you’re travelling smart.

Final Boarding Call: What You Should Do Before Your Next Flight

• Review if your debit/credit card or savings account offers complimentary travel insurance
• Understand how to activate or claim these benefits before your journey
• Keep your bank’s support contacts handy and consider upgrading if current features fall short

Don’t Just Book the Trip. Plan for the Unexpected.

Sometimes, your most reliable travel companion isn’t the person sitting next to you, it’s your bank account. Make sure it’s travel ready.