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ERGO Travel Insurance Ltd   Reviews

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Reviews 4.6.

2,562 total

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Good customer service

I did not have to claim on my policy, but buying one is easy, price is good and customer services are responsive and friendly

Date of experience : 30 April 2024

Reply from ERGO Travel Insurance Ltd

Hello Paulina, Many thanks for your review, Great to hear you found the process easy, we remain competitively priced and that our customer service is up to the high standards we set. Kind regards, ERGO.

Good service

Easy to navigate online website. Good price on the travel insurance cost.

Date of experience : 27 April 2024

Hello Paulina, Great to hear you found the process easy and that we remain competitively priced. Kind regards, ERGO.

Easy to get cover

Easy instructions told you your cover just what I wanted

Date of experience : 02 May 2024

Hello Lesley, Many thanks for your 5 star review, Great to hear you found the process easy and that you got the cover you needed. Kind regards, ERGO.

TOTAL WASTE OF MONEY !

TOTAL WASTE OF MONEY ! ERG-20240422-05193 Just had toi cancel my planned trip to London as my friend who I am planning to visit just called to say his father inlaw has died suddenly I guessed this may come under the heading of 'Home Emergency" as nothing else seemed appropriate I am then asked to upload documents to prove my claim. I decline to call my friend back to get documentation.

Date of experience : 26 April 2024

Hello, Could you please send over your policy number so a member of the team can look into this for you. Many thanks, ERGO.

Only experience so far of actually…

Only experience so far of actually needing travel insurance & ergo were very good at every step. Helpful & assuring staff & once we got all receipts etc together payment was agreed & made quickly. Would definitely recommend.

Date of experience : 29 February 2024

Hello Adam, Many thanks for letting us know our customer service is up to the high standards we set, great to hear we could process your claim quickly. Kind regards, ERGO.

Really easy to access, purchase and use. All details available immediately via email-no hassle.

Date of experience : 25 April 2024

Hello, Many thanks for your review, great to hear you found the process easy. Kind regards, ERGO.

Brilliant service

Brilliant service Only took 2 minutes and now I’m covered for my journey to York

Hello Derek, Many thanks for your review, Great to hear you found the process easy, it is always good to know. Kind regards, ERGO.

Ergo via payingtoomuch.com - fantastic!

I took out travel insurance with payingtoomuch.com (for whom I have left a great review). I see the insurance company they covered with was Ergo and it was with Ergo that I lodged, recently, five claims, due to my husband's cancer returning. My claims were all dealt with them - and settled! money in my bank account - within, easily, 5 working days. No fuss, no hassle. I cannot recommend them highly enough, or thank them sufficiently, at what is, for us, a very difficult time.

Date of experience : 01 March 2024

Hello Sue, Many thanks for your great review, it is very much appreciated. Good to know we could be there in what is obviously a difficult time for you, and great to hear our customer service is up to the high standards we set. Kind regards, ERGO.

Good price and gave contact…

Good price and gave contact details,site easy to navigate

Hello Jane, Great to hear you found the website easy to use and that we remain competitively priced. Kind regards, ERGO.

Value for money

Excellent communication - easy to set up and good value. Peace of mind knowing you are covered.

Date of experience : 09 April 2024

Hello Patricia, Many thanks for letting us know you found the process easy, and that we remain competitively priced. Kind regards, ERGO.

Smooth and easy to use

Super easy to purchase and modify an insurance. Paige on the phone line is swift to respond and very polite. Prices are very competitive, highly recommended - much better than the banks providing travel insurances out there. Thank you team!

Date of experience : 19 February 2024

Hello Pooja, Many thanks for your 5 star review, it is very much appreciated. Great to hear you found the process easy and that our service is up to the high standards we set. Kind regards, ERGO.

Avoid this company. SCAMMERS

I would give zero stars but can’t. Flight back to UK was cancelled so I would miss the train I booked and wanted to refund the ticket, tried to make a claim and the process asks about 2 questions and goes straight to decline. Waste of money and wouldn’t recommend this company at all. Trainline should be ashamed. Avoid this company they are not interested once they have your money

Date of experience : 17 April 2024

Hello Ian, Could you please send over your policy number so a member of the team can look in to this for you. Many thanks, ERGO.

Helpful and welcoming

Helpful and welcoming. Easy to ask questions of.

Hello, Many thanks for your great review, it is very much appreciated. Kind regards, ERGO.

Easy to arrange

Easy to arrange, quick delivery, very reasonable cost

Hello Andrew, Great to hear you found the process easy and that we remain competitively priced. Many thanks for your review, ERGO.

Great little company for great short…

Great little company for great short trips giving you peace of mind

Hello Susan, Many thanks for your review, great to hear we could give you peace of mind. Kind regards, ERGO.

easy to get travel insurance

easy to get travel insurance at a good price

Hello Christopher, Great to hear you found the process easy and that we remain competitively priced. Many thanks for your review, ERGO.

Helpful and professional customer service

I did not receive my policy documents after signing up and called to check on my status. The customer support staff was helpful and professional, located my records and resolved the issue (typo in the email address) very quickly.

Hello, Many thanks for letting us know that our customer service team is performing up to the high standards we set, great to hear we could resolve your issue quickly. Kind regards, ERGO.

Cheap travel cover

Clear concise wording in policy documents and prompt response.Have used before and always been satisfied.

Date of experience : 05 April 2024

Hello Jennifer, Great to hear you found the process clear and concise, many thanks for letting us know. Kind regards, ERGO.

A helpful assistant.

The assistant that helped me with the application for the travel insurance was very helpful, explaining some of the terms in the policy. Thank you.

Date of experience : 12 March 2024

Hello Anne, Many thanks for letting us know our customer service is up to the high standards we set. Kind regards, ERGO.

It was so easy to book this insurance

Hello Lynne, Great to hear you found the process easy, it is always good to know. Many thanks, ERGO.

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Claim-related

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Introducing Travel Explorer

Pack Security, Unpack Worries

With Our All New Travel Insurance Plans

#1.5 crore+.

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HDFC ERGO Travel Explorer

Whether you are travelling solo or with family, for business or leisure, we know how important it is to stay protected during your overseas trips. In our mission to ensure you stay safe and secure while exploring the world worry-free, HDFC ERGO is launching the all-new Explorer Travel Insurance plan that comes with 15+ benefits and ensures a safe trip abroad. We offer a range of medical, journey and baggage related coverage including medical facilities at 1Lac+ cashless hospitals worldwide, emergency hotel accommodations, reimbursement for loss of international driving licence and more.

Travel Insurance Plans For Every Traveller

Whatever be the purpose of your travel, we have a cover for you

SILVER PLAN

This comprehensive plan comes with 5 significant benefits, like emergency medical expenses, dental expenses, personal accident and hospital cash for accident and illness and more. You can get this plan exclusively on our website only.

In addition to the silver plan benefits, stay secured for journey-related hassles like loss, delay and theft of baggage, flight delay and cancellation, trip cancellation, loss of passport and many more. Wander more, worry less.

PLATINUM PLAN

Get more from this super-impressive plan that encompasses the benefits of silver + gold plan and more, to keep you secured in a faraway land. This plan covers trip delay and interruption, loss of international driving license and many more.

What Does HDFC ERGO Travel Insurance Policy Cover ?

• Medical Coverage
• Journey Coverage
• Baggage Coverage

Emergency Medical Expenses

This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains.

Dental Expenses

We believe dental healthcare is just as important as hospitalization due to physical illness or injury; hence, we cover dental expenses which can occur during your travel. Subject to policy terms and conditions.

Personal Accident

We believe in seeing you through thick and thin. In the event of an accident, while traveling abroad, our insurance plan provides a lump sum payment to your family to assist with any financial burdens caused by permanent disablement or accidental death.

Personal Accident : Common Carrier

We believe in being by your side through ups and downs. So, under unfortunate circumstances, we will provide a lump sum payout in case of accidental death or permanent disablement arising out of an Injury whilst on a Common Carrier.

Hospital cash - accident & illness

If a person is hospitalized due to injury or illness, we will pay the per day Sum Insured for each complete day of hospitalization, up to the maximum number of days stated in the Policy Schedule.

Flight Delay & Cancellation

Flight delays or cancellations may be beyond our control, but worry not, our reimbursement feature allows you to meet any essential expenses arising from the setback.

Trip Delay & Cancellation

In case of a trip delay or cancellation, we will refund the non-refundable portion of your pre-booked accommodation and activities. Subject to policy terms and wordings.

Loss of Passport & International driving license

Losing important documents can leave you stranded in a foreign land. So, we will reimburse expenses related to obtaining a new or duplicate passport and/or international driving license.

Trip Curtailment

Don't worry if you have to cut your trip short due to unforeseen circumstances. We'll reimburse you for your non-refundable accommodation and pre-booked activities as per the policy schedule.

Personal Liability

If you ever find yourself liable for third-party damage in a foreign land, our travel insurance helps you compensate for those damages effortlessly. Subject to policy terms and conditions.

Emergency Hotel Accommodation for Insured Person

Medical emergencies may mean you need to extend your hotel booking by a few days more. Worried about the added expense? Let us take care of it while you recover.subject to policy terms and conditions

Missed Flight Connection

Don't worry about unexpected expenses due to missed flight connections; we will reimburse you for the expenses incurred on accommodation and alternate flight booking to reach your destination.

Hijack Distress Allowance

Flight hijacks can be a distressing experience. And while the authorities help sort out the issue, we'll do our bit and compensate you for the distress it causes.

Emergency Cash Assistance Service

When traveling, theft or robbery can lead to a cash crunch. But don't worry; HDFC ERGO can facilitate fund transfers from the insured 's family in India. Subject to policy terms and conditions.

Loss Of Checked-In Baggage

Lost your checked-in baggage? Don't worry; we'll compensate you for the loss, so you don't have to go without your essentials and vacation basics. Subject to policy terms and conditions.

Delay of Checked-In Baggage

Waiting is never fun. If your luggage gets delayed, we'll reimburse you for essentials like clothing, toiletries and medication so you can start your vacation worry-free.

Theft of baggage and its contents

Theft of baggage can derail your trip. So, to ensure your trip stays on track, we'll reimburse you in case of baggage theft. Subject to policy terms and conditions.

The above mentioned coverage may not be available in some of our Travel plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plan.

What Does HDFC ERGO Explorer Not Cover ?

Breach of law.

Sickness or health issues caused due to war or a breach of the law is not covered by the plan.

Consumption of Intoxicant substances

If you consume any intoxicants or banned substances, the policy shall not entertain any claims.

Pre existing diseases

If you suffer from any illness before the travel you’ve insured and if you undergo any treatment for an illness that already exists, the policy does not cover expenses related to these incidents.

Cosmetic and Obesity Treatment

Should you or any member of your family opt to undergo any cosmetic or obesity treatment during the course of the travel you’ve insured, such expenses remain uncovered.

Self Inflicted Injury

Any hospitalization expenses or medical costs arising from self-inflicted injuries are not covered by the insurance plans we offer.

The above mentioned coverage may not be available in some of our Health plans. Please read the policy wordings, brochure and prospectus to know more about our travel insurance plans.

So, Have you compared the plans and found the one that suits you best?

Know your travel insurance premium in 3 easy steps.

Add your trip details

Fill your personal details

choose your travel insurance plan

Choose your travel insurance plan

  How to Claim Travel Insurance?

The claims process of HDFC ERGO travel insurance is straightforward. You can place a claim on your travel insurance online on cashless as well on a reimbursement basis.

• Cashless Claim
• Reimbursement Claim

Intimate claim to [email protected] and get a list of network hospitals from TPA.

[email protected] will share documents required for cashless claims.

Mail Documents

Download the digital claim form from here

Send digital claim form to [email protected] along with ROMIF.

Intimate claim to [email protected] or call on Global Toll-Free No : +800 08250825

[email protected] will share the checklist/documents required for reimbursement

Claim documents along with claim form to be sent to [email protected] or [email protected]

Claim is registered by HDFC ERGO call centre executive on respective claims system.

Many countries have made it mandatory for foreign travellers to obtain a valid international travel insurance policy before entering their borders

List of countries where travel insurance is mandatory.

Here are some of the countries that require mandatory overseas travel insurance: This is an indicative list. It is advisable to check each country’s visa requirement independently before travel.

Schengen countries

• the Netherlands
• Switzerland
• Liechtenstein and Luxembourg

Other countries

Source : VisaGuide.World

International Travel Insurance for Most Visited Countries

Take your pick from the options below, so you can be better prepared for your trip to a foreign country

Travel Insurance for

Awards & Recognition

BFSI Leadership Awards 2022 - Product Innovator of the Year (Optima Secure)

ETBFSI Excellence Awards 2021

FICCI Insurance Industry Awards September 2021

ICAI Awards 2015-16

SKOCH Order-of-Merit

Best Customer Experience Award of the Year

Icai awards 2014-15.

CMS Outstanding Affiliate World-Class Service Award 2015

iAAA rating

ISO Certification

Best Insurance Company in Private Sector - General 2014

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Procedure to make changes

Procedure to make changes: Health Insurance | Home Insurance | Motor Insurance | Travel Insurance | Personal Accident Insurance

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Read in Hindi

Read in Hindi: Health Insurance Hindi | Car Insurance Hindi | Two Wheeler Insurance in Hindi | Home Insurance in Hindi

Our Promoters

Our Promoters: HDFC Bank | ERGO

Other Important links

Other Important links: HDFC Bank | HDFC Life | HDFC Securities | HDFC Mutual Fund | HDFC Sales | HDB Financial Services | HDFC Pension

PET INSURANCE: UIN: HDFC ERGO Paws n Claws - IRDAN146RP0001V01202324 T&C Apply. @1.51 crores+ active customers as on July 2022

Terms and Conditions Applied. © HDFC ERGO General Insurance Company Limited. CIN: U66030MH2007PLC177117. Registered & Corporate Office: 1st Floor, HDFC House, 165-166 Backbay Reclamation, H. T. Parekh Marg, Churchgate, Mumbai – 400 020. Customer Happiness Center / Policy Issuing Address: D-301, 3rd Floor, Eastern Business District (Magnet Mall), LBS Marg, Bhandup (West), Mumbai - 400 078. For Claim/Policy related queries call us at or Visit Help Section on www.hdfcergo.com for policy copy/tax certificate/make changes/register & track claim. IRDAI Registration Number : 146 (Registration type: General Insurance Company). For more details on the risk factors, terms and conditions, please read the sales brochure/ prospectus before concluding the sale. Trade Logo displayed above belongs to HDFC Bank Ltd and ERGO International AG and used by the Company under license. HDFC Ltd. and HDFC Bank merger stands concluded, effective 1st July, 2023. HDFC ERGO General Insurance Company Limited is now a subsidiary of the Bank.

• Car Insurance
• Single Year Comprehensive Cover
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Bike/Scooter Insurance

• Long Term Comprehensive Cover
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• For Individual
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Track claim status, claim process.

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How can we help you?

• Global Health Insurance
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Commercial Vehicle Insurance

• Vehicle legal protection insurance
• Car assistance
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• ERGO replacement car
• Idle vehicle insurance
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• Insurance for the tenant
• Liability insurance
• Free legal advice
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• Multi-trip travel insurance
• Travel insurance covers
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• AML INFORMATION
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• Business interruption insurance
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• How to notify of a loss event
• Loss adjustment forms
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• Related references
• Management in Estonia
• Management Board
• Supervisory Board
• Profit distribution decisions
• Solvency and Financial Condition Reports
• ERGO in the Baltic States
• Sponsor project initation
• Sustainability
• Six things you need to know before entering into a travel insurance contract
• Product information documents
• Ida-Virumaa
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• Online consultation
• Complaint form
• ERGO insurance
• Conditions and forms

Every journey starts from home and the ultimate goal of a trip is to come back safely. ERGO’s travel insurance is the only kind where you do not need to have extra funds available for unexpected occurrences. 

As of 16 June 2020, we will also cover expenses related to the cancellation or interruption of trips within Estonia. If you would like your trips within Estonia to be insured, choose the travel disruption cover.

NB! To sign a contract on behalf of a business customer, your name must be listed on the company's B card.

When does travel insurance help?

• Health insurance covers the essential costs of treatment and medical examinations if you fall ill, your chronic disease exacerbates or you are involved in an accident. ERGO’s travel insurance makes sure that you get the treatment you need and, if necessary, brings you back home. The European Health Insurance Card may come in handy in EU countries; however, it does not cover all costs.
• In the case of a trip cancellation , we will compensate you for the cost of unused tickets and services. The trip cancellation cover is useful should you fall ill before a trip or if a concert or conference unexpectedly does not take place. We suggest that you should buy insurance within 24 hours after paying for your travel fare so that you are protected from the onset. If you buy insurance at a later date, you will be subject to a 72-hour waiting period.
• In the case of a trip disruption , we make sure that you reach your next destination or back home. A trip may be disrupted when, for instance, the flight you chose is later and you miss the onward flight. We offer you twice the amount of the trip cancellation cover since last-minute tickets are often more expensive and changes in the travel plan more costly.
• Baggage insurance compensates for damage caused by theft, loss, late arrival of or damage to your baggage or delay in the connecting point or destination. If you need to buy basic necessities because your baggage is late, we will compensate their cost to the extent of 25% of the baggage insurance amount. 

A detailed overview of insurance coverages can be found here .

When does travel insurance not help?

• You should sign a travel insurance contract straight after paying for your tickets. If you buy insurance at a later date, you will be subject to a 72-hour waiting period for travel disruption cover.
• Before you leave check out the travel information of the Ministry of Foreign Affairs to find out which countries it is safe to travel to. Insurance does not cover costs incurred due to civil disturbances or warfare.
• You should also take care and allow sufficient time to reach the airport and pass through security checks. For instance, you should take into account that the likelihood of getting stuck in a traffic jam is greater during rush hour. We will only be of help to you if you miss the plane due to a traffic accident or another unforeseen event.
• If you handle purchasing the tickets yourself, you should make sure that the connecting flight is from the same terminal and airport. Calculate how much time you should allow for transit to make it to the onward flight. This information is usually available on the homepage of the airport.
• Travel insurance does not protect your home assets. Make sure that your home and assets are covered while you are away. 

Do you need help?

We will be able to help you in the best possible way, provided that you promptly let us know about your problem. Please store the ERGO Travel Assistant phone number +372 633 3746, which operates round the clock. This line offers help in English. For instance, we will buy new tickets for you should you unexpectedly need to return home, or help you find medical assistance.

Your insurance policy specifies:

• insurance covers and amounts;
• insurance period that needs to be at least as long as the trip;
• amount of the insurance premium;
• ERGO’s contact data and those of Travel Assistance.

What should you know about the e-office?

• When you operate via the e-office, make sure that your information is accurate and complete.
• You can view the terms and conditions of insurance and policies in the e-office.
• You can see the final cost of insurance in the e-office.
• In the e-office, you get your insurance policy, which does not need to be signed. You have entered into the contract when you are directed from the e-office to the Internet bank. As you enter the Internet bank, you became liable for payment.
• ERGO will keep all your insurance contracts until the end of the limitation period.
• We do not terminate insurance contracts before the term, except for in cases where there are exceptional grounds for this under law or the insurance contract itself.
• You may withdraw from a contract entered into via the e-office without naming the reason, within 14 days after entry into the contract. You can send your withdrawal notice via ERGO’s web page or by e-mail to [email protected] . If you withdraw from a travel insurance contract, we will repay you the premiums for the time during which we did not have to bear insurance liability. 

Other information that you should know

• Insurance contracts are entered into pursuant to the general terms and conditions of ERGO insurance contracts and the terms and conditions of travel insurance . You can read the terms and conditions on ERGO’s web page. When entering into the insurance contract you confirm that the insurer has made the general terms and conditions and travel insurance conditions available to you, you have read them and agree to them.
• The principles of processing the personal data of customers can be found here https://www.ergo.ee/erakliendile/tasub-teada/kliendiandmete-tootlemise-pohimotted.
• Estonian legislation shall be applied to the Insurance Contract.
• If you want to send a complaint to ERGO, please e-mail it to [email protected] .
• You may turn to a conciliation body at the Estonian Insurance Association to settle a dispute with the insurer. Before a conciliation procedure, the claim in the disputed matter shall be submitted to the insurer and the insurer must be provided with an opportunity to reply to the claim. Additional information is available on the Estonian Insurance Association’s website www.eksl.ee .
• Any disputes arising from insurance contracts, including disputes concerning which no agreement is reached at an insurance conciliation body, shall be settled at Harju County Court.
• You are entitled to submit a complaint with the Financial Supervision Authority (Sakala 4, Tallinn) to protect your interests.

Insurer is ERGO Insurance SE, registry code 10017013

Address A.H. Tammsaare tee 47, Tallinn

• ERGO in Estonia
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About ERGO Reiseversicherung

Welcome to ERGO Travel Insurance

Travel insurance.

Our products cover risks for all types of travel. Travel cancellation insurance, medical travel insurance or multi-cover packages. Find your perfect cover here.

Performance demonstrating leadership. Find out more about ERGO travel insurance, ERGO, ETI Group and our Assistance network.

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