The fragile ceasefire between the United States and Iran has led to significant disruptions in travel to West Asia, prompting Indian leisure travelers to either stay closer to home or travel to East Asia. This shift has resulted in a 15-20% drop in travel insurance purchases as many travelers abandon plans due to soaring airfares and heightened risks. Insurers are increasingly suspending policies for travelers heading to conflict-affected regions, including the United Arab Emirates, Saudi Arabia, and Iran. Ramit Goyal, Chief Distribution Officer at Generali Central Insurance, emphasizes the need for clearer communication regarding policy exclusions and robust geopolitical risk assessments. Senior citizens traveling to the US remain an exception, as they continue to visit family despite the geopolitical climate. However, they must navigate complex pre-existing disease (PED) coverage clauses, which often limit reimbursement for medical expenses related to chronic conditions. Insurers typically cap coverage for PEDs at $10,000-20,000, and travelers are advised to maintain meticulous documentation when filing claims. Overall, the combination of geopolitical tensions and rising travel costs is reshaping the landscape of travel insurance.