Travel insurance is becoming a vital aspect of trip planning, with 22% growth in policy issuance reported by Policybazaar for 2026. This increase reflects a shift in traveler attitudes towards financial protection amid rising global medical costs and evacuation risks. Notably, the number of travelers opting for coverage exceeding $250,000 (approximately ₹2.36 crore) has doubled compared to previous years. Travelers are now more aware of the importance of comprehensive coverage, which includes medical treatment, trip cancellations, and loss of baggage. However, policy features and exclusions can vary significantly, making it essential for travelers to understand what their plan covers before purchasing. Premiums are generally higher for countries with substantial healthcare costs, such as the United States and parts of Europe. Claims processing typically takes 3-5 days, but some policies offer expedited settlement options. Despite geopolitical sensitivities, Indian travelers are adapting by choosing destinations like Japan, Thailand, and Vietnam, indicating a trend towards smarter travel planning.