Loss of passport Cover

A loss of passport cover is a benefit or feature of a travel insurance policy where you will get coverage or assistance if your passport is stolen or lost while traveling. The policy will reimburse you for the costs associated with replacing your passport, including fees for obtaining a replacement or emergency travel documents.

Yes. The best travel insurance plans cover the loss of a passport. However, it varies depending on the type of policy. Many travel insurance policies offer coverage for the loss or theft of important documents, including passports and may reimburse the costs associated with obtaining a replacement.

Be sure to check the exclusions, as some policies may not cover loss due to negligence or theft in certain circumstances. Always read the fine print of your travel insurance policy or speak to your insurance provider to fully understand the coverage available for passport loss.

Also Read: Differences Between Passport Renewal & Passport Reissue

A passport is an essential document in a foreign country whether you want to book a hotel, flight or other bookings. As per immigration laws, travellers need to carry it all the time.

If you lose your passport due to any reason, it may bring several financial repercussions. Below are some scenarios that will happen when your passport is lost.

• If your passport is lost before the beginning of the trip, it can disturb your travel plans. If you do not have sufficient time to reissue your passport, you have to cancel your travel plans.
• If your passport is lost while travelling to foreign destinations, you must inform the local authorities so they can find it and issue an emergency travel document or certificate.
• If you are unable to justify that your passport is lost or stolen abroad, you will be asked to leave the country. This means you will have to cut your trip short and bear additional financial expenses.

Also Read: What to Do If You Lose Your Passport While Travelling Abroad?

When your passport is stolen or lost, the next course of action is to follow the below-mentioned tips.

• The very first step to take in case of loss of a passport is to inform the local authorities.
• Another crucial tip to follow while travelling abroad is to always carry photocopies of your passport. This will help in case your passport is stolen or lost.
• If you have a travel insurance plan that offers loss of passport coverage, you must inform the insurance provider within the specified timeframe.
• It is crucial to contact the Indian consulate or embassy nearest to you and carry out the required formalities to obtain lost passport letters or emergency travel documents. You may have to give a loss of passport application for it.

In addition to the general exclusions, certain hazards listed in the policy schedule are not covered under the loss of passport cover.

• The loss of a passport happens due to delayed confiscation or detention by customs, police or any other authority.
• Your passport is stolen, and you have not reported the theft to any appropriate police authority within 24 hours of discovering the loss and have not obtained an official report.
• Loss or theft of a passport is left unattended by you unless the passport is in a locked hotel room or apartment and a safety box of appropriate size is not available.

If you have an overseas insurance plan with loss of passport coverage, follow these steps to claim additional financial expenses incurred to obtain a new or duplicate passport:

• Step 1: Immediately report the loss or theft of your passport to local authorities, such as the police and obtain a copy of the report. This is a required document for filing a claim.
• Step 2: Notify your insurance provider as soon as possible, ideally within 24-48 hours of the incident. They will guide you through the claims process and provide you with the necessary forms.
• Step 3: Collect all the necessary documentation, such as travel insurance policy documents, an affidavit of loss of passport, etc., to raise your claim request.
• Step 4: Complete the claim form provided by your insurance provider. Be sure to include all the necessary details and documentation requested.
• Step 5: Visit your insurance provider's official website to submit the completed claim form along with the supporting documents.
• Step 6: Once the claim is processed and approved, your insurance provider will reimburse the eligible expenses based on the terms of your policy.

Also Read: Passport Renewal

Here is the list of documents for the claim of loss of passport.

• Original police report
• Original documents for receipts of the bills of complaint copies
• Copy of identity proof such as Aadhar card, driving licence, etc.
• Original travel insurance policy document
• Completed claim form

• Always store your passport in a safe place, such as a hotel safe, a money belt, or a secure pouch.
• Carry photocopies or digital copies of your passport, visa and other important documents in case they are lost or stolen. Keep these separate from the originals.
• Stay vigilant in public places like markets, public transport, or tourist places where thieves are more active. Be mindful of your surroundings and your belongings.

Knowing all about the loss of a passport is crucial to taking necessary action. When a passport is lost, it can bring additional financial expenses. However, an overseas insurance policy with passport cover can help in mitigating these losses.

Not only this but with travelling insurance by your side, you can also safeguard yourself and your family against unforeseen emergencies during the trip. From medical emergencies to baggage lost to flight delays, more are covered by travel insurance plans.

TATA AIG offers travel insurance policies that are customised to your unique travel needs. Our plan offers comprehensive protection against medical emergencies, flight delays, loss of passport and more.

The plan is so affordable that the travel insurance policy starts at only ₹24.8 per day. Get your travel insurance policy quote now and secure your foreign trip!