India, May 24 -- For Indian travellers, overseas trips today come with risks that go far beyond delayed flights or misplaced baggage. With political tensions, wars, airspace disruptions, and uncertainty around jet fuel costs affecting travel across several parts of the world, unexpected situations can quickly turn expensive.

In such cases, the real question is not whether a traveller has insurance, but whether the policy is actually designed to cover unusual disruptions, from cancelled flights and emergency evacuation to steep medical costs abroad.

Before travelling, these are five important insurance clauses and features that you need to pay close attention to.

The War Exclusion Clause Could Leave You Uncovered

One of the most import...