On our trip to Europe recently, our return flight got cancelled and we got stuck for 4 nights in Munich. Even though we had a trip delay / cancellation clause in our travel insurace, Bajaj Allianz did not pay up due to a cleverly worded fine print, stating that they pay for trip delays/cancellations for only flights originating from India!! We feel cheated. Most of their clauses look good, but are almost impossible to claim as the fine print is worded in a very clever way. We would advice travellors to think twice before purchasing from this company. It took many phone calls to get them in the first place, and then no one seemed to know anything about travel insurance!!