Insurance Is a Filtering Problem
Most plans look similar until you examine exclusions. The right policy depends on whether you are optimizing for visa compliance, gear protection, medical certainty, or long-stay flexibility.
For Indian travelers, the cheapest plan often fails exactly where premium itineraries become expensive.
The Clauses Worth Paying For
Medical evacuation, high-value electronics limits, and missed connection support are where value starts to separate. These are also the clauses most travelers realize they needed too late.
A good policy should protect the trip you are actually taking, not an average holiday imagined by a comparison chart.