@Reema Lately, with so many flight delays and lost luggage, I've been wondering if Indian travel insurance is really worth it. How smoothly do they handle claims that aren't health-related? Are the payout limits suitable for overseas travel needs, and what sneaky exclusions should I be aware of?

You're right about medical coverage, @Reema, but doesn't the immediate, unpredictable financial risk from lost luggage or extended flight delays pose a greater need for guaranteed insurance, potentially impacting the overall travel experience more than rare medical emergencies?

What additional valuable coverage options for safety do you recommend in travel insurance besides trip cancellation?