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Buy Travel Insurance with Tata AIG

Get travel insurance for peace of mind

Travel insurance offers protection against unexpected disruptions—and associated financial risks—during your domestic or international travel. Be it a medical emergency, loss or delay of checked-in baggage, flight delays, trip cancellations, or similar unforeseen events, travel insurance gives you the freedom to enjoy your trip worry-free.

A medical emergency during your trip, for example, can be costly. With proper travel insurance, you have no reason to worry about ballooning expenses and can take on the challenges as they come your way.

Tata AIG Travel Insurance to the Rescue

Safety is a priority when travelling. Get yourself insured with Tata AIG travel insurance and safeguard your journey in advance.

Top features of Tata AIG Travel Insurance

Depending on your policy, Tata AIG travel insurance has the following features: 

Round-the-clock assistance

Hassle-free claim procedure

Medical coverage

Passport loss

Travel disruptions

Baggage issues 

Theft (Limited to loss of cash)

Who can buy travel insurance?

You can purchase the Tata AIG travel insurance if you’re an Indian resident and your journey originates from India. Insurance can be purchased for both domestic and international travel.

How it works?

You can buy Tata AIG travel insurance as an add-on service when you book your flight tickets. If you have already made a booking and would like to purchase insurance, please go to  Manage Booking .

Travel Insurance FAQ

Eligibility and benefits.

Find out whether you’re eligible for travel insurance before purchasing it.

Coverage and medical treatment

Find out the types of medical treatment you’re eligible for with TATA AIG travel insurance.

Claims and customer support

Are you facing issues when you’re trying to initiate your claim? Don’t worry, we have got you covered.

Policy details and changes

Do you want to make changes to your existing policy? Find out how you can do it hassle-free.

Policy documents & TCs

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• Key takeaways

India travel information & requirements

Do i need travel insurance to visit india, what does travel insurance for india cover, what isn’t covered by travel insurance for india, how much does travel insurance for india cost, tips for getting the best india travel insurance, faq: india travel insurance, related topics.

Travel Insurance for India: U.S. Visitor Requirements & Quotes

• You must have a visa and a valid passport to visit India .
• Although travel insurance isn’t required, it’s advisable to at least purchase travel medical and medical evacuation coverage because India won’t accept your U.S. health insurance .
• More comprehensive policies can also cover other travel mishaps , such as trip cancellations and delays, lost baggage and car rentals.
• According to our research, our top picks for travel insurance for India come from Seven Corners, Tin Leg, and AXA Assistance USA ( skip ahead to view these plans ).
• Costs for travel insurance vary, but you can typically find basic medical coverage for less than $1 per day .
• To view multiple plans at once and find the best coverage to suit your needs, try using an online comparison tool .

Our top picks for the best india travel insurance

• Seven Corners: Best Value for Robust Coverage & Medical Emergencies
• Tin Leg: Best Rated Overall
• AXA Assistance USA: Best for Budget Friendly Travelers

Our top picks for travel insurance for India

Seven corners.

AXA Assistance USA

Are there covid-19 restrictions for u.s. tourists.

No, as of February 13, 2023, there are no COVID-19 restrictions for U.S. tourists.

Do I need a visa or passport to travel to India?

You need both a visa and a passport to travel to India . You can apply for an eVisa online. If you’re approved, you can travel in India for up to 60 days. Make sure to apply at least four days before you’re scheduled to arrive. To stay longer, you must apply for a standard tourist visa at the nearest Indian consulate or embassy.

Before you apply, check the expiration date on your passport . The document must be valid for at least six months after the application date. Indian immigration officials require two blank pages to accommodate visas and stamps.

Is it safe to visit India?

India can be a safe destination for savvy tourists — however, you must exercise a great deal of caution . Petty crime is common, as are scams. Female travelers must be especially careful as there have been many reports of sexual assault and violence against women, including tourists. The U.S. Department of State advises women to dress according to local custom and avoid traveling alone in India. 

There is also a chance of terrorism and civil unrest throughout India, particularly in the northeastern states, central and eastern India and areas near the Pakistan border.

Can a US citizen buy health insurance in India?

As a citizen of the US traveling to India, it is far more beneficial for you to purchase a travel insurance policy before you leave for your vacation. Doing so prepares you for early unforeseen circumstances such as delayed flights or canceled bookings. NRIs (non-resident Indians) may be able to purchase health insurance in India. Still, as U.S. travel insurance companies are fully regulated, you are far safer securing your coverage within the states.

India does not require tourists to have travel insurance . However, traveling in India can come with a significant amount of risk. A travel insurance policy covers medical care and medical evacuation, so you can move around the country with peace of mind. If you become injured or sick, you won’t be saddled with an expensive medical bill.

Travel insurance also protects you from other unexpected circumstances that could affect your trip. If a natural disaster forces you to cancel or a political protest disrupts your plans, your policy can help reduce the financial impact. 

It can also help you prepare for other risks, such as those discussed below.

Risk of pickpockets and tourist scams

Pickpockets and petty thieves run rampant in India, often targeting unsuspecting tourists. They operate in crowded tourist destinations, such as airports and famous sites like the Taj Mahal.

Tourist scams are another common occurrence in India. Scammers try to lure travelers with false promises, only to extort them for money or put them in dangerous situations. In other cases, criminals drug visitors before robbing them. Travel insurance with coverage for personal items can help pay to replace stolen items.

Risk of canceled day trips or tours

Tours and day trips are a popular way to see sights in India. Since many operators have little to no oversight, they may cancel these excursions at the last minute without reimbursing you. Certain travel insurance policies can reduce the risk of financial loss by covering nonrefundable costs for interrupted or canceled tours.

Risk of political demonstrations 

Political demonstrations in India can be large and disruptive. In some cases, they affect airlines, train lines and major roadways. When a demonstration arises before or during your trip, you may have a hard time reaching your destination. In some cases, widespread protests make it too dangerous for foreigners to visit the affected areas. A travel insurance policy can help you recover the costs of canceling the trip, rebooking flights, or making unexpected hotel stays.

Risk of severe weather conditions

Many parts of India experience severe weather at various times throughout the year. In southern India, the monsoon season often brings severe flooding; the northern part of the country sees intense dust storms. Dangerous heat waves are possible across most of the country. While you can’t predict serious weather events, you can use insurance to prevent significant financial losses if storms affect your trip.

As with any type of insurance, every plan offers different types and levels of coverage.

We break down some of the most common coverage types below.

Trip cancellation insurance

Trip cancellation coverage helps you recover prepaid, nonrefundable trip costs if you have to cancel your plans. Travel to India is expensive, especially if you’re booking popular hotels and tours. If you fall ill a week before your flight and you’re too sick to travel, insurance can ensure that you don’t lose money in the process.

Trip delay insurance

This type of insurance covers the extra expenses that arise if your India trip is held up due to circumstances beyond your control. If your connecting flight from Amsterdam to New Delhi is pushed to the next day, insurance can cover a last-minute hotel booking and taxis to and from the airport. Keep your receipts, and you might also be able to get reimbursed for meals and nonrefundable hotel stays in your final destination.

Trip interruption insurance

Trip interruption coverage kicks in if unexpected circumstances require you to cut your vacation short. As long as the reason for the interruption is covered, the policy will typically refund the non-refundable costs of the rest of the trip . It might also cover the flight back to the U.S.

Travel medical insurance

If you get hurt or fall ill while you’re exploring India — a possibility, given the country’s inconsistent safety regulations — travel medical insurance covers the costs. In most cases, you’ll need to pay the healthcare bills first and file a claim for reimbursement. Some plans will work directly with the medical provider to settle bills if you need hospitalization after an accident or a bout of dengue fever.

Medical evacuation insurance

Medical evacuation coverage pays for your transportation in case of a medical emergency. It’s critical for trips to India — healthcare facilities aren’t always available away from major cities. That means if you’re injured while trekking in the Himalayas or cruising in Kerala, you may need to be transported a long distance by air to get to a hospital. When the situation is serious enough, a medical flight back to the United States may be necessary.

These services are expensive, but evacuation coverage can take care of the bill. Make sure you choose a policy with a high limit when traveling to India, particularly if you’re planning an adventurous itinerary to rural parts of the country.

Insurance for personal items

Personal item coverage helps you pay for damaged, lost or stolen belongings. Given the risk of theft and pickpocketing in India, this type of insurance is essential. Limits can vary considerably between policies; you may need to shop around to find adequate coverage if you’re packing computers, phones and cameras.

Rental car coverage

This type of insurance pays for damage to your rental car. It’s usually offered as an add-on for an extra fee, but don’t skip it if you’re renting a car in India — road conditions and driving safety are well below U.S. standards in many areas.

Every travel insurance policy comes with exclusions, which are things the plan will not cover. For example, if your policy excludes preexisting medical conditions , it won’t pay cancellation costs if you have to cancel due to a chronic health condition.  

Standard travel insurance exclusions are:

• Pregnancy (except for complications)
• Anxiety and mental health
• Routine medical or dental procedures
• High-risk activities
• Extreme sports and professional sports
• Trips that go against medical advice
• Storms that have already been named
• Illegal activities

It’s also important to note that your policy might refuse to cover anything for which you don’t have the appropriate documentation. If you need to seek medical care, or you plan to file a claim for trip cancellation or interruption, call the provider immediately to ask about documentation requirements.

We found that travel insurance for a trip to India can cost as little as $1 per day for the most fundamental medical and medical evacuation coverage. A more comprehensive plan that covers trip cancellations and interruptions will cost around $7 to $11 per day.

To give you a better idea of how much travel insurance costs for a trip to India, we requested quotes from four leading travel insurance providers.

We used these details for all of our quotes:

• Age : 35 years old
• Destination : India
• Trip Length : 7 days
• Trip cost : $2,000
• Date: September 2024

You can see our quotes for basic travel insurance in the table below. Prices range from less than $1 per day to $6 per day .

Example Where Plan Doesn’t Reimburse the Full Trip Cost

Our quotes for policies that include trip cancellation and trip interruption coverage are in the following table. Prices range from around $7 to $11 per day .

Example Where Plan Does Reimburse the Full Trip Cost

It’s important to note that the cost of India travel insurance is different for everyone. 

Providers base your policy premium on factors such as:

• Trip duration
• Cost of the trip
• Current health insurance
• Elapsed time between policy purchase and first trip deposit

A wide range of providers offer travel insurance to India. 

These tips can help you select a plan that provides ample coverage and peace of mind:

Research your destinations.

If you’re traveling to rural parts of India, make sure your insurance policy includes a high limit for medical evacuation. That way, you’re less likely to incur high bills for medical flights.

Check emergency procedures.

Some providers deny medical claims if you fail to call the emergency assistance line before seeking help. That’s not always possible in areas of India that don’t have cell service.

Consider how you’re traveling around India.

Travel insurance policies don’t apply to every mode of transportation. If your plans include hitching a ride or renting a motorcycle in India, make sure it’s covered in case of an accident.

Examine the risk level of activities.

Read the policy exclusions carefully to ensure that your intended activities are covered.

Buy a policy as soon as possible.

By buying as soon as you book the trip, you’ll be protected for longer. Coverage usually starts from the purchase date.

Can I use my U.S. health insurance in India?

No, you cannot use most standard U.S. health insurance policies in India.

Can a U.S. citizen buy travel insurance in India?

A few insurance providers allow you to purchase travel insurance after you’ve started your trip in India. However, you may be subject to higher fees or a waiting period before you can make a claim.

Is it better to buy travel insurance from India or U.S.A.?

It’s best to buy travel insurance for India while you’re still in the United States. You can buy it from a domestic or international provider — just make sure the company is reputable and that the policy applies to American travelers.

Imogen Sharma is a freelance writer with an extensive portfolio, covering topics such as finance, business management, investing, and startups. Before becoming a full-time writer, Imogen managed high-volume fine dining restaurants in London with a knack for pricing and P&L management that contributed to sustained growth.

Imogen has contributed bylined and ghostwritten content for thought-leading publications in business, finance and technology. Topics covered include business loans, personal loans, startup funding and real estate investments.

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Air india travel insurance.

When planning a trip, many people overlook the necessity of travel insurance. However, unpredictable events such as flight cancellations, medical emergencies, and lost luggage can happen at any time during your journey. This is where Air India travel insurance comes in as a valuable asset for your travels.

What is Air India Travel Insurance?

Air India Travel Insurance is a comprehensive travel insurance policy designed to cover many of the risks associated with travel. The policy covers medical expenses, trip cancellations, delays, and other unforeseen circumstances that may occur while traveling.

For travelers flying with Air India, the airline offers a travel insurance policy that can be purchased at the time of booking. The policy includes cover for individuals as well as families traveling together.

What Does Air India Travel Insurance Cover?

Air India travel insurance provides coverage for various incidents during your travel, including:

• Medical Emergencies: The policy covers medical expenses in case of accidents or illnesses that may occur during your travel
• Trip Cancellation or Interruption: The policy provides coverage in case of unexpected cancellations or interruptions to your trip due to illness or other unforeseen circumstances
• Lost, Stolen, or Damage of Luggage: The policy covers your luggage in case of theft, damage, or loss
• Flight Delays and Missed Connections: The policy provides compensation for expenses incurred due to flight delays or missed connections
• Emergency Evacuations: The policy covers the expenses related to emergency evacuation if necessary during your travel

What Are the Benefits of Air India Travel Insurance?

There are many benefits of purchasing Air India travel insurance for your journey. Some of the significant advantages include:

• Comprehensive Coverage: Air India travel insurance provides comprehensive coverage against various risks associated with travel, giving you peace of mind during your journey
• 24/7 Assistance: The policy comes with 24/7 assistance, providing support and guidance throughout your travel in case of emergency or unforeseen events
• Affordable Premiums: Air India travel insurance offers competitive premiums that are affordable and reasonable for travelers
• Hassle-Free Claims: The policy claims process is simple and hassle-free, providing quick and efficient settlement of claims.

How to Purchase Air India Travel Insurance?

Air India travel insurance can be purchased at the time of booking your flight ticket. Just choose the insurance option during the booking process, and the cost of the policy will be added to your total booking amount.

Alternatively, you can also purchase the policy separately by visiting Air India’s official website or contacting their customer service center.

Travel insurance is an essential element of any travel plan, providing protection and peace of mind during your journey. Air India travel insurance offers comprehensive coverage and affordable premiums, making it an excellent option for travelers flying with Air India.

Ranked #1 Travel Insurance for Schengen Visa

International travel insurance, let’s get you started on your overseas travel insurance journey.

Travel offers us the unique ability to taste fabulous new cuisines and experience myriad cultures. Travelling abroad gives us a chance to relive history or walk in the footsteps of our favourite film and book characters. Travel means to different things to different people. Whether you’re travelling for work or leisure, we’re sure you want to enjoy a safe and enjoyable trip!

Sadly, there are a number of things that could throw a spanner in the works. Lost luggage, a small accident or a medical emergency could all leave you alone in a foreign city. That’s why having international travel insurance is so important. With a TATA AIG international travel insurance plan, you can enjoy all the sights and sounds without sweating the small stuff. Our overseas travel insurance policy will help you deal with whatever untoward situations come your way. From delayed luggage to lost passports or being detected with COVID-19*, we’ll be with you at every step of the journey – literally and figuratively!

*Tata AIG offers coverage for medical expenses related to COVID – 19 when the insured is outside India. Policy T&C apply

Features Of International Travel Insurance

Your international travel insurance policy provides you with safety and comfort while you’re abroad. here’s a look at the features you can enjoy when you purchase a tata aig international travel plan:, cover for accidents and sickness.

Falling sick is always a terrible experience, but falling ill abroad is overwhelming. Our policy will help take care of the costs associated with getting treatment when you’re ill. But that isn’t all. An accident could lead to a short hospitalisation or could end up being fatal. Whatever happens, our international travel insurance plan will help you deal with the costs. From emergency medical treatment to medical evacuation and the repatriation of the insured’s remains, we’ll take care of everything. Our international travel policy will even provide cover for emergency dental services, if required.

Travel Assistance

Exploring a foreign country can be thrilling. But if something goes wrong, it can be downright scary. If you need any help to identify where you can get medical treatment or how to go about applying for a new passport if yours is lost or stolen, our international travel insurance plan will be there for you.

Baggage Loss Or Delay

If your bag is stolen, lost or delayed because it was sent to another location or unintentionally left behind, you don’t need to break a sweat. Our international travel insurance policy will help you deal with the cost of purchasing necessary personal items or reimburse you for the cost of your lost luggage .

Personal Liability

If you’ve involved in an accident where another individual is hurt or another person’s property is damaged, you won’t have to pay for it out of your own pocket. Our international travel insurance policy will help take care of the cost of necessary medical expenses or repairs.

Hijack Cover

If you’re the victim of a hijacking, our international travel insurance policy will provide you with distress allowance. We know it can’t make up for the trauma you experience, but we hope it helps.

Automatic Extensions

If you happen to be hospitalised abroad when your international travel insurance policy is set to expire, we’ll extend it for another 60 days or until you’re discharged. If your flight home is delayed and there’s no other way for you to get back home, we’ll automatically extend our cover for another 7 days, so you don’t have to worry about travelling without insurance.

Advantages Of TATA AIG International Travel Insurance

Covid-19 covered.

When you’re travelling abroad, we’ll help you take care of the cost of treatment for COVID-19 if you test positive in the middle of your trip & require hospitalization

Pay In Rupees Get Cover In Dollars

When you opt for an international travel insurance policy, your premiums are in Indian Rupees, but you’re covered in USD. So, you can rest easy knowing you’ll get the cover you need at an affordable cost.

Affordable Policies

Our international travel insurance policies start at just INR 40.82 per day! That’s a small price to pay for care-free travel!

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You can buy a TATA AIG international travel insurance policy online with just a few easy clicks. We don’t need extensive paperwork on a health check-up!

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What’s Covered Under TATA AIG International Travel Insurance?

Our overseas travel insurance policy will help you take care of a number of situations, covid-19 covers.

Accident & Sickness Medical Expense Under the Accident & Sickness Medical Expense, Travel insurance with COVID-19 covered compensates for the medical expenses incurred by the insured because of being diagnosed with COVID-19 outside the Republic of India during the trip duration & is hospitalized. The policy provides coverage against Medical expenses upto the limit mentioned in the policy schedule.

Trip Cancellation Compensation benefit under Trip Cancellation is offered if the insured, the insured’s Travel Companion or The Immediate family of the insured or the Insured’s Travel Companion are diagnosed with COVID-19 before commencing his/her international trip. We will reimburse you the unused and non-refundable amount of your prior bookings, such as hotel booking, ticket’s cost .You would be eligible for these benefits only if you booked and paid for such services before being diagnosed with COVID-19.

Trip Curtailment/Interruption Benefits If you are travelling with Travel insurance with COVID-19 covered and you, your Travel Companion, your immediate family or your Travel companion’s immediate family are diagnosed with COVID-19 during your trip, as a result of which, your trip has to be cut short, we will reimburse the trip interruption expenses. These expenses will be inclusive of the pre-paid and unused portion of travel and accommodation expenses, which are non-refundable; additional accommodation and travel expenses incurred due to trip interruption, subject to the sum insured limit.

Automatic extension The travel insurance policy is automatically extended for a period of 7 days if a lockdown is imposed in the destination country and no alternative mode of transport is available. Subject to Terms & conditions.

Baggage Covers

Landing up somewhere without your personal belongings can be a harrowing experience. We make it easier to manage with these covers:

Baggage Delay: In case there’s a delay or misdirection of your checked-in baggage by the airline, we will reimburse you The expense of necessary personal effects items so that you can continue with your trip smoothly.

Baggage Loss: If your checked baggage gets lost in Theft or misdirection by the common carrier or also due to non delivery at its destination we will compensate you for your lost belongings. This is only applicable if your entire baggage is lost, and not for damage or partial loss of your belongings.

Journey Covers

A delayed or cancelled flight could wreak havoc on your itinerary. We cannot make up for lost time, but these covers will help you deal with the financial loss.

Lost Passport In case your passport is stolen or misplaced, our Assistance company will provide assistance to the insured by contacting appropriate authorities as well as compensating for reasonable expense in order to get a duplicate passport made.

Trip Curtailment: Any loss of travel and or accommodation expenses paid in advance by or forfeited by the insured after the commencement of the trip, Non-refundable unused portion of travel or accommodation costs or additional accommodation and / or travel expenses will be reimbursed (excluding telephone costs, meals and beverages)

Trip Cancellation: If your trip has been cancelled due to Sickness, Injury or death to: insured; insured’s Travelling Companion; insured’s Immediate Family Member; or insured’s Travelling Companion‘s Immediate Family Member, prior to the contracted departure date we will pay for the loss of deposit up to the maximum as stated in the policy.

Missed Flights Bad weather, a strike of some kind of equipment failure could mean that you miss your departure or connecting flights. If this is the case, you don’t have to worry. Our international travel insurance policy will help you deal with any additional expenses you may incur while trying to get home.

Bounced Bookings Reimbursement benefit will be paid to the insured due to non-availability of accommodation on account of over booking by the hotels or airlines even though the insured has received confirmation proof of the bookings in advance.

Theft at Home When you’re in a foreign country, you shouldn’t have to worry about what’s going on at home. If a burglary or attempted burglary leads to any damage to your home or loss of belongings, our international travel plan has your back. We’ll help take care of the costs to repair your home and replace your belongings, as long as your house is not left unoccupied for over 90 days.

Hijack Allowance While we hope none of our customer have to go through something as stressful as a hijacking, our Tata AIG's international travel insurance policy will offer something known as distress allowance in case the flight that you’re travelling on is hijacked.

Delayed Flights A Flight Delay can be an extremely stressful experience, as forwards plans get delayed, which could lead to a financial loss to the insured. Bad weather or a local strike could delay your flight by more than 12 hours. If this is the case, you might have to book another night’s stay at a hotel or incur some other additional expenses. Our international travel insurance policy will help you take care of these expenses if your flight happens to be delayed.

Personal Liability Accidents can happen at any time under any circumstance. If you happen to be involved in an accident where somebody else is harmed or injured, it could cost you quite dearly. Our international travel insurance policy will help cover any damage caused to any third-party individual or property while you’re travelling.

Fraudulent Charges Most often, our loved ones will tell us to be careful with our belongings while travelling abroad but In case your cards are stolen & are used to make unauthorized transaction, our international travel insurance policy will reimburse you for the fraudulent charges, as long as you report the issue within 12 hours of the event.

Policy Extension Your international travel insurance policy term often depends on the length of your trip. But, there are certain situations in which your flight may be cancelled or delayed for several days. We will automatically extend the term of cover of our international travel insurance policy for seven days in case your flight is cancelled or delayed and you don’t have any other travel options available.

Medical Covers

We can’t think of anything worse than having to get emergency medical treatment while you’re abroad. Luckily, our overseas travel insurance plan will help you deal with:

Medical Emergencies Falling sick or meeting with an accident abroad is not only a frightening experience but an expense one as well, Our international travel insurance policy will help you deal with the financial implications that come with meeting with an accident or falling ill while you’re abroad. The policy will cover everything right from a regular illness that requires hospitalisation to dental emergencies and even fatalities. You also have the ability to change the sum insured to suit your requirement. If you happen to fall ill or meet with an accident at the tail-end of your journey, you don’t have to worry. If you’re in hospital and your policy expires, we will continue to cover you for the next 60 days or until you are discharged, whichever is earlier.

Medical Evacuation On your Travels, you may visit places & experience cultures far from urban civilization & while we hope you have the time of your life, medical emergencies can happen anywhere, Your international travel insurance policy is your friend in times of need. If you require emergency medical evacuation to the nearest hospital, this policy will take care of that. In case you need to be evacuated and brought back to India for medical treatment, your international travel insurance policy will look after that as well.

Accidental Death and Repatriation We don’t want to think about it, but it’s possible that an accident or medical emergency abroad could end up being fatal. TATA AIG’s international travel insurance policy will provide your nominee with the full sum insured amount if this happens & also take care of the cost of repatriating the individual’s remains back to India.

*Kindly check the policy wordings for a complete understanding of the product offerings, inclusions and exclusions.

What’s Not Covered By TATA AIG's International Travel Insurance Plans?

Unfortunately, Some Things Are Out Of Our Hands. Here’s A Look At A Few Situations Where We’ll Be Unable To Help:

Journey Exclusions

• If you happen to lose your passport or are delayed because or confiscation or detention by the police, customs or other authorities, we will be unable to help out.
• If you do not report the theft of your passport to the relevant authorities within 24 hours of realising it is missing, we won’t be able to provide cover.
• Any loss that you experience due to a war or in war-like situations will not be covered.
• Damages or loss caused by a nuclear reaction, radiation, radioactive contamination or through the dispersal of pathogenic or poisonous materials will not be covered.
• In cases where the insured individual is learning to operate an aircraft or is performing duties as a member of the aircraft crew, losses and damages will not be covered.

Medical Exclusions

• If you have travelled against the advice of your doctor we will not be able to provide you with overseas travel insurance cover.
• If you suffer from a complication or require assistance due to a pre-existing health condition, the medical bills will not be covered.
• Any injuries sustained while serving as a member of the armed forces will not be covered.
• Participation in adventure sports, like skydiving, scuba diving, or mountain diving will not be covered under our international travel insurance plans.
• The medical costs of dealing with self-inflicted injuries, sexually-transmitted diseases, and mental or nervous disorders will not be covered.
• Any treatment required due to injuries sustained under the influence of alcohol, drugs, hallucinogens or other intoxicants will not be covered.

Baggage Exclusions

• Loss of baggage will not be covered in cases where you have shipped the items separately or before your travel date.
• We cannot provide cover if your baggage is delayed while you’re in India while you’re leaving for your trip or once you return.
• Your international travel insurance policy will not cover the loss of electronic items such as phones, laptops, or hearing aids. We will also not cover the loss of money, credit cards, debit cards, cheques or other securities.

When, Where And How To Choose International Travel Insurance?

Purchasing an international travel insurance policy requires a lot of thought and consideration. to help you with your decision, here’s a look at some important factors you must consider before choosing an international travel insurance policy:, destination.

Your overseas travel insurance policy will depend largely on your destination. It’s important that you check the travel insurance requirements of various countries. For example, certain countries will not issue you a travel visa unless you can show that you have sufficient cover in your international travel insurance policy.

Travel Frequency

The kind of overseas travel insurance policy you buy will depend on how often you intend to travel. If you travel very frequently, a multi-trip travel insurance plan might be ideal for you. These plans allow you to enjoy multiple trips without you having to apply for a new travel insurance policy each time. On the other hand, if you only travel once in a while, then a single trip travel insurance policy might be better for you. You can easily apply for your travel insurance policy online and have it issued instantly without the need for a pre-policy check-up.

Duration Of The Trip

While picking an Oversea travel insurance plan, you must keep the length of your trip in mind. It’s a good idea to pick an international travel insurance policy of a duration that slightly exceeds your actual trip dates. Ideally, you should be able to find a plan that offers cover for more days without it affecting your premium. This way, if you have to extend your trip for a few days, you don’t risk losing your cover.

People Travelling

If you’re travelling alone, you can purchase a international travel insurance policy just for yourself without any worries. If you’re travelling with your family, you should add each member to your international travel insurance policy. Make sure you tell us how many of you are travelling before you purchase the policy and we’ll do the needful. This makes it much easier for you to keep track of everybody’s paperwork

Claim Limit

This is possibly one of the most important factors that will influence your decision. Every travel insurance policy has a limit as to how much they will pay for various claims. For example, you will receive a specified sum in case your bags are lost or stolen. Even in medical emergencies, you must keep your sum insured amount and claim limit in mind. If you have a low claim limit, it may not be enough to take care of all kinds of medical emergencies while you’re travelling abroad. Depending on where you’re going and how long you’re travelling for, you should pick a suitable sum insured for your international travel insurance policy. A higher sum insured will lead to a higher premium, but it will come in handy if you require to file a claim while you’re travelling.

Things To Consider While Planning An International Trip Trial

Planning a trip abroad can be exhausting. there’s a lot of research and paperwork involved. here’s a look at some important things you must know before you head off on your next adventure, international travel insurance online.

First things first, secure your trip. Buying an international travel insurance policy online with TATA AIG is super simple. All you have to do is follow these simple steps:

Step 1: Tell us where you’re going, when you’re going and when you’ll be back. Step 2: Let us know how old you and the other travellers are. Step 3: Browse through the options and select the plan you like. Step 4: Provide us with a few more details, including your passport number, contact details, etc. Step 5: Make your payments and go to your email inbox – your travel insurance policy will be there!

Understanding When You Need Travel Insurance

If you ask us, you need international travel insurance every time you head abroad. But, it isn’t always mandatory. Several countries will allow you to enter without a travel insurance policy. But, if you’re heading to any of the countries listed below, you’ll need to have a good travel insurance plan to get your travel visa approved. International travel insurance is mandatory when travelling to:

Antarctica Cuba Ecuador and the Galapagos Islands Qatar Russia Schengen Countries Turkey United Arab Emirates United States of America

Where Can Indians Get a Visa on Arrival?

The visa process is often incredibly overwhelming. Luckily, you can enjoy a trip abroad without having to go through the whole process. Here’s a look at a few places you can visit where Indians either don’t need a visa at all or where they can get a visa on arrival

In North America:

In South America:

In Oceania:

Do Indians Need Insurance to Travel to Schengen Countries?

Absolutely! If you’re heading to any of the 26 central European countries counted as a Schengen country, you need to have a good international travel insurance policy in place. Apart from helping you get your visa application approved, your travel insurance plan will help take care of you in case something goes wrong while you’re travelling. For more information during the preparation of your trip to a Schengen Country, check out our below resources Schengen Travel Insurance Schengen Visa Types & Process

What Should Be Carried?

While we’re sure you’ve got your clothes and other personal effects sorted, there are a few things you absolutely have to have while travelling abroad. Here’s a quick checklist of things you should bring:

• Your passport – and make sure it doesn’t expire within the next 6 months, or you could be in trouble
• Travel adapters so you can charge your phone, laptop, camera and other personal electronic devices
• A medical kit – basic paracetamol, personal medication, bandages and plasters, pain killers and anti-allergy medicines are all necessary
• Sunscreen and moisturizer so you can explore the length and breadth of your destination without worrying about the effect it has on your skin
• International travel insurance to help you deal with any kind of bumps along the way
• A Forex card so you can shop till you drop and pick up amazing souvenirs
• A camera to capture all kinds of amazing visuals and memories
• Weather-appropriate clothing – from umbrellas and raincoats to light cotton tops and pants, you should always check the weather before you pack
• Comfortable shoes so you can walk, hike and really explore

Some Important Precautions

It doesn’t matter if this is your first international trip or your 50th one, there are a few important precautions you should always keep in mind:

• Keep your passport in a safe place. Your hotel locker is ideal. Carry a copy of your passport with you at all times as your identity proof.
• Avoid carrying too much currency on you. Use your card instead or withdraw as required. Be vigilant while using ATMs and check your card and the cash after every transaction.
• Make sure you read up on your chosen destination and make yourself aware of any kinds of common scams that target tourists.
• If you’re carrying a bit of currency, make sure you don’t put it all in one place. Keep some money in your wallet, some in hidden pocket in your bag and some in your pocket. That way, if somebody were to steal your money, they won’t be able to get all of it.

Self Service Options

A convenient way to register your claim & track your status.

Make changes to your policy & update your contact details.

Print policy document and view renewal notice

COVID-19 Update

The outbreak of COVID-19 curbed international travel for a while. Currently, Indian citizens are able to travel on Vande Bharat flights or approved carriers to countries with which we have a travel bubble. Most countries will require you to have an international travel insurance policy that covers the cost of COVID-19 medical care. With TATA AIG, you don’t have to worry. Our international travel insurance plans will help you deal with the medical costs attached with treating COVID-19 if you happen to test positive while you’re abroad. To read more click here

Covid-19 FAQs

If i am diagnosed with covid-19, who do i need to contact to seek assistance.

For America’s policies, you can either call us at +1-833-440-1575 (Toll-free within the US and Canada) or write to us at [email protected] For other policies, you can either call us at +91 – 022 68227600 (Call back facility available) or write to us at [email protected]

Will I Require Any Special Documents While Filing a Claim for COVID-19?

No, you need not submit any special documents while filing a claim under COVID-19 cover. You just need to submit your report stating that you have tested positive for COVID-19 along with other documents for expenses being claimed.

If I Am Tested Positive for COVID-19, And am Instructed to maintain a Home Isolation, Will My Medical Expenses Be Covered?

No, medical expenses incurred during home isolation are not covered. However, if you are hospitalized, your medical expenses will be covered.

I travelled to a destination with Tata AIG travel insurance covering COVID-19 and get diagnosed with COVID-19 during the trip and am hospitalized for treatment. But, during the days of my hospitalization, the policy expires. In this case, will my post-policy expiry medical charges be claimable?

In such a case, Post your policy Expiry, your medical charges will be claimable till the date of discharge or upto 60 days, whichever is lesser, provided you are hospitalized during the policy period.

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Frequently Asked Questions

Policy related, service related, do i need international travel insurance to get a visa, does the tata aig international travel insurance policy come with a free-look period, what is evacuation and repatriation coverage, what is the best travel insurance policy, will i need to complete a medical exam before purchasing travel insurance, i had to cancel my trip for personal reasons, but i already bought travel insurance. can i get a refund, are there any age limits for travel insurance, when does my international travel insurance policy coverage start, i am immigrating to another country. should i buy international travel insurance, if i’m travelling to multiple countries as part of one trip, do i need two overseas travel insurance plans, what happens if my claim is rejected, top travel destinations.

Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to TATA Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. 2008, TATA AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CIN: U85110MH2000PLC128425. IRDA of India Regn. No. 108. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] . Category of Certificate of Registration: General Insurance.

2008, Tata AIG General Insurance Company Limited, all rights reserved. Registered Office : Peninsula Business Park, Tower A, 15th Floor, G.K.Marg, Lower Parel, Mumbai - 400 013, Maharashtra, India. CINNumber : U85110MH2000PLC128425. Registered with IRDA of India Regn. No. 108. Insurance is the subject matter of the solicitation. For more details on benefits, exclusions, limitations, terms and conditions, please read sales brochure / policy wording carefully before concluding a sale. Trade logo displayed above belongs to Tata Sons Private Limited and AIG and used by TATA AIG General Insurance Company Limited under License. Toll Free Number : 1800 266 7780 / 1800 22 9966 (only for senior citizen policy holders). Email Id – [email protected] .

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11 Best Travel Insurance Companies in April 2024

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

If the past few years have shown us anything, it’s that travelers need to be prepared for the unexpected — from a pandemic to flight troubles to the crowded airport terminals so many of us have encountered.

Whether you’re looking for an international travel insurance plan, emergency medical care or a policy that includes extreme sports, these are the best travel insurance providers to get you covered.

How we found the best travel insurance

We looked at quotes from various companies for a 10-day trip to Mexico in September 2024. The traveler was a 55-year-old woman from Florida who spent $3,000 total on the trip, including airfare.

On average, the price of each company’s most basic coverage plan was $126.53. The costs displayed below do not include optional add-ons, such as Cancel For Any Reason coverage or pre-existing medical condition coverage.

Read our full analysis about the average cost of travel insurance so you can budget better for your next trip.

However, depending on the plan, you may be able to customize at an added cost.

As we continue to evaluate more travel insurance companies and receive fresh market data, this collection of best travel insurance companies is likely to change. See our full methodology for more details.

Best insurance companies

Types of travel insurance

What does travel insurance cover, what’s not covered, how much does it cost, do i need travel insurance, how to choose the best travel insurance policy, what are the top travel destinations in 2024, more resources for travel insurance shoppers, top credit cards with travel insurance, methodology, best travel insurance overall: berkshire hathaway travel protection.

Berkshire Hathaway Travel Protection

• ExactCare Value (basic) plan is among the least expensive we surveyed.
• Speciality plans available for road trips, luxury travel, adventure activities, flights and cruises.
• Company may reimburse claimants faster than average, including possible same-day compensation.
• Multiple "Trip Delay" coverage types might make claims confusing.
• Cheapest plan only includes fixed amounts for its coverage.

Under the direction of chair and CEO Warren Buffett, Berkshire Hathaway Travel Protection has been around since 2014. Its plans provide numerous opportunities for travelers to customize coverage to their needs.

At $135 for our sample trip, the ExactCare Value (basic) plan from Berkshire Hathaway Travel Protection offers protection roughly $10 above the average price.

Want something cheaper? Air travelers looking for inexpensive, less comprehensive protections might opt for a basic AirCare plan that includes fixed amounts for its coverage .

Read our full review of Berkshire Hathaway .

What else makes Berkshire Hathaway Travel Protection great:

Pre-existing medical condition exclusion waivers available at no extra cost.

Plans available for travelers going on a cruise, participating in extreme sports or taking a luxury trip.

ExactCare Value (basic) plan was among the least expensive we surveyed.

Best for emergency medical coverage: Allianz Global Assistance

Annual or single-trip policies are available.

• Multiple types of insurance available.
• All plans include access to a 24/7 assistance hotline.
• More expensive than average.
• CFAR upgrades are not available.
• Rental car protection is only available by adding the One Trip Rental Car protector to your plan or by purchasing a standalone rental car plan.

Allianz Global Assistance is a reputable travel insurance company offering plans for over 25 years. Customers can choose from a variety of single and annual policies to fit their needs. On top of comprehensive coverage, some travelers might opt for the more affordable OneTrip Cancellation Plus, which is geared toward domestic travelers looking for trip protections but don’t need post-departure benefits like emergency medical or baggage lost.

For our test trip, Allianz Global Assistance’s basic coverage cost $149, about $22 above average.

What else makes Allianz Global Assistance great:

Annual and single-trip plans.

Plans are available for international and domestic trips.

Stand-alone and add-on rental car damage product available.

Read our full review of Allianz Global Assistance .

Best for travelers with pre-existing medical conditions: Travel Guard by AIG

Travel Guard by AIG

• Offers last-minute coverage.
• Pre-Existing Medical Conditions Exclusion Waiver available at all plan levels.
• Plan available for business travelers.
• Cancel For Any reason coverage only available for higher-level plans, and only reimburses up to 50% of the trip cost.
• Trip interruption coverage doesn't apply to trips paid for with points and miles.

Travel Guard by AIG offers a variety of plans and coverages to fit travelers’ needs. On top of more standard trip protections like trip cancellation, interruption, baggage and medical coverage, the Cancel For Any Reason upgrade is available on certain Travel Guard plans, which allows you to cancel a trip for any reason and get 50% of your nonrefundable deposit back as long as the trip is canceled at least two days before the scheduled departure date.

At $107 for our sample trip, the Essential plan was below average, saving roughly $20.

What else makes Travel Guard by AIG great:

Three comprehensive plans and a Pack N' Go plan for last-minute travelers who don't need cancellation benefits.

Flight protection, car rental, and medical evacuation coverage, as well as annual plans available.

Pre-existing medical conditions exclusion waiver available on all plan levels, as long as it's purchased within 15 days.

Read our full review of Travel Guard by AIG .

Best for those who pack expensive equipment: Travel Insured International

Travel Insured International

• Higher-level plan include optional add-ons for event tickets and for electronic equipment
• Rental car protection add-on for just $8 per day, even on lower-level plan.
• Many of the customizations are only available on the higher-tier plan.
• Coverage cost comes in above average in our latest analysis.

Travel Insured International offers several customization options. For instance, those going to see a show may want to add on event ticket registration fee protection. Traveling with expensive gear?Consider adding on coverage for electronic equipment for up to $2,000 in coverage.

Be sure to check which policies are available in your state. You will need to input your destination, residence, trip dates and the number of travelers to get a quote and see coverages.

What else makes Travel Insured International great:

Comprehensive plans include medical expense reimbursement accidents, sickness, evacuation and pre-existing conditions, depending on the plan.

Flight plans include coverage for missed and canceled flights and lost or stolen baggage.

Read our full review of Travel Insured International .

Best for adventurous travelers: World Nomads

World Nomads

• Travelers can extend coverage mid-trip.
• The standard plan covers up to $300,000 in emergency evacuation costs.
• Plans automatically cover 200+ adventurous activities.
• No Cancel For Any Reason upgrades are available.
• No pre-existing medical condition waivers are available.

Many travel insurance plans contain exclusions for adventure sports activities. If you plan to ski, bungee jump, windsurf or parasail, this might be a plan to consider.

Note that the Standard plan ($72 for our sample trip), while the most affordable, provides less coverage than other plans. But it can be a good choice for travelers who are satisfied with trip cancellation and interruption coverage of $2,500 or less, do not need rental car damage protection, find the limits to be sufficient and do not need coverage for certain more adventurous activities.

What else makes World Nomads great:

Comprehensive international travel insurance plans.

Coverage available for adventure activities, such as trekking, mountain biking and scuba diving.

Read our full review of World Nomads .

Best for medical coverage: Travelex Insurance Services

Travelex Insurance Services

• Top-tier plan doesn’t break the bank and provides more customization opportunities.
• Offers a plan specifically for domestic travel.
• Sells a post-departure medical coverage plan.
• Fewer customization opportunities on the Basic plan.
• Though perhaps a plus for domestic travelers, keep in mind the Travel America plan only covers domestic trips.

For starters, basic coverage from Travelex Insurance Services came in at $125, almost exactly average for our sample trip.

Travelex’s plans focus heavily on providing protections that are personalized to your travel style and trip type.

While the company does offer comprehensive plans that include medical benefits, you can also choose between cheaper plans that don’t provide cancellation coverage but do offer protections during your travels.

Read our full review of Travelex Insurance Services .

What else makes Travelex Insurance Services great:

Three comprehensive plans available, two of which cover international trips.

Offers a post-departure plan geared exclusively toward disruptions after you leave home.

Two flight insurance plans available.

Best if you have travel credit card coverage: Seven Corners

Seven Corners

• Annual, medical-only and backpacker plans are available.
• Cancel For Any Reason upgrade is available for the cheapest plan.
• Cheapest plan also features a much less costly Interruption for Any Reason add-on.
• Offers only one annual policy option.

Each Seven Corners plan offers several optional add-ons. Among the more unique is a Trip Interruption for Any Reason, which allows you to interrupt a trip 48 hours after the scheduled departure date (for any reason) and receive a refund of up to 75% of your unused nonrefundable deposits.

The basic coverage plan for our trip to Mexico costs $124 — right around the average.

What else makes Seven Corners great:

Comprehensive plans for U.S. residents and foreigners, including travelers visiting the U.S.

Cheap add-ons for rental car damage, sporting equipment rental or trip interruption for any reason.

Read our full review of Seven Corners .

Best for long-term travelers: IMG

• Coverage available for adventure travelers.
• Special medical insurance for ship captains and crew members, international students and missionaries.
• Claim approval can be lengthy.

While some travel insurance companies offer just a handful of plans, with IMG, you’ll really have your pick. Though this requires a bit more research, it allows you to search for coverage that fits your travel needs.

However, travelers will want to be aware that IMG’s iTravelInsured Travel Lite is expensive. Coming in at $149.85, it’s the costliest plan on our list.

Read our full review of IMG .

What else makes IMG great:

More affordable than average.

Many plans to choose from to fit your needs.

Best for travelers with unpredictable work demands: Tin Leg

• In addition Cancel For Any Reason, some plans offer cancel for work reason coverage.
• Adventure sports-specific coverage is available.
• Plans have overlap that can be hard to distinguish.
• Only one plan includes Rental Car Damage coverage available as an add-on.

Tin Leg’s Basic plan came in at $134 for our sample trip, adding about $8 onto the average basic policy cost. Note that you’ll pay a lot more if you shop for the most comprehensive coverage, and there are eight plans to choose from for trips abroad.

The multitude of plans can help you find coverage that fits your needs, but with so many to choose from, deciding can be daunting.

The only real way to figure out your ideal plan is to compare them all, look at the plan details and decide which features and coverage suit you and your travel style best.

Read our full Tin Leg review .

Best for booking travel with points and miles: TravelSafe

• Covers up to $300 redepositing points and miles on eligible canceled award flights.
• Optional add-on protection for business equipment or sports rentals.
• Multi-trip or year-long plans aren’t available.

Selecting your travel insurance plan with TravelSafe is a fairly straightforward process. The company’s website also makes it easy to visualize how optional add-on elements influence the total cost, displaying the final price as soon as you click the coverage.

However, at $136, the Basic plan was among the more expensive for our trip to Mexico.

What else makes TravelSafe great:

Rental car damage coverage add-on is available on both plans.

Cancel For Any Reason coverage available on the TravelSafe Classic plan.

Read our full TravelSafe review .

Best for group travel insurance: HTH Insurance

HTH Travel Insurance

• Covers travelers up to 95 years old.
• Includes direct pay option so members can avoid having to pay up front for services.
• A 24-hour delay is required for baggage delay coverage on the TripProtector Economy plan.
• No waivers for pre-existing conditions on the lower-level plan.

HTH offers single-trip and multitrip medical insurance coverage as well as trip protection plans.

At around $125, the Trip Protector Economy policy is at the average mark for plans we reviewed.

You can choose to insure group trips for educators, crew, religious missionaries and corporate travelers.

What else makes HTH Insurance great:

Medical-only coverage and trip protection coverage.

Lots of options for group travelers.

Read our full review of HTH Insurance .

As you shop for travel insurance, you’ll find many of the same coverage categories across numerous plans.

Trip cancellation

This covers the prepaid costs you make for your trip in cases when you need to cancel for a covered reason. This coverage helps you recoup upfront costs paid for flights and nonrefundable hotel reservations.

Trip interruption

Trip interruption benefits generally involve disruptions after you depart. It helps reimburse costs incurred for flight delays, cancellations and plenty of other covered disruptions you might encounter during your travels.

This coverage can cover the costs for you to return home or reimburse unexpected expenses like an extra hotel stay, meals and ground transportation.

Trip delay coverage helps cover unexpected costs when your trip is delayed. This is another coverage that helps offset the costs of flight trouble or other travel disruptions.

Note that many policies have a total amount a traveler can claim, with caps on per diem benefits, too.

Cancel For Any Reason

Cancel For Any Reason coverage allows you to recoup some of the upfront costs you paid for a trip even if you’re canceling for a reason not otherwise covered by your standard travel insurance policy.

Typically, adding this protection to your plan costs extra.

Baggage delay

This coverage helps cover the costs of essential items you might need when your luggage is delayed. Think toiletries, clothing and other immediate items you might need if your luggage didn’t make it on your flight.

Many travel insurance plans with baggage delay protection will specify how long (six, 12, 24 hours, etc.) your luggage must be delayed before you can make a claim.

Lost baggage

Used for travelers whose luggage is lost or stolen, this helps recoup the lost value of the items in your bag.

You’ll want to make sure you closely follow the correct procedures for your plan. Many plans include a maximum total amount you can claim under this coverage and a per-item cap.

Travel medical insurance

This covers out-of-pocket medical costs when travelers run into an emergency.

Because many travelers’ health insurance plans don’t cover medical care overseas, travel medical insurance can help offset out-of-pocket health care costs.

In addition to emergency medical coverage, many plans have medical evacuation or repatriation coverage for costs incurred when you must be taken to a hospital or return to your home country because of a medical situation.

Most travel insurance plans cover many trip protections that can help you be prepared for unexpected travel disruptions and expenses.

These coverages are generally aimed at protecting the money you put into your trip, expenses you incur because of travel trouble and costs incurred if you have a medical emergency overseas.

On top of core coverages like trip cancellation and interruption and travel medical coverage, some plans offer add-on options like waivers for pre-existing conditions, rental car collision damage waivers or adventure sports riders. These usually cost extra or must be added within a specified timeframe.

Typical travel insurance policies offer coverage for many unforeseen events, but as you research to select a plan, consider your needs. Though every plan differs, there are some commonly excluded coverages.

For instance, you typically can’t get coverage for a named storm if you bought the coverage after the storm was named. In other words, if you have a trip to the Caribbean booked for Sept. 25 and on Sept. 20 a hurricane develops and is named, you generally won’t be able to buy a travel insurance plan Sept. 21 in hopes of getting your money back.

Many plans also don’t cover activities performed under the influence of drugs or alcohol or any extreme sports. If the latter applies to you, you might want to consider a plan with specific coverages for adventure-seekers.

For numerous plans, a few other situations don’t qualify as an acceptable reason to cancel and make a claim, such as fear of travel, medical tourism or pregnancies (unless you booked a trip and bought insurance before you became pregnant or there are complications with the pregnancy). This is where a Cancel For Any Reason add-on to your coverage can be helpful.

You can also run into trouble if you give up on a trip too soon: a minor (or even multihour) flight delay likely isn’t sufficient to cancel your entire trip and get reimbursed through your plan. Be sure to review what requirements your specific plan has when it comes to canceling a trip, claiming trip interruption, etc.

Travel insurance costs vary widely. The final price of your plan will fluctuate based on your age, length of trip and destination.

It will also depend on how much coverage you need, whether you add on specialized policies (like Cancel For Any Reason or pre-existing conditions coverage), whether you plan to participate in extreme sports and other factors.

In our examples above, for instance, the 35-year-old traveler taking a $2,000 trip to Italy would have spent an average $76 for a basic plan to get coverage for things like trip cancellation and interruption, baggage protection, etc. That’s a little less than 4% of the total trip cost — lower than average.

If there were multiple members in a traveling party or if they were going on, say, a rock-climbing or bungee-jumping excursion, the costs would go up.

On average, travel insurance comes to about 5% to 10% of the trip cost. However, considering many of the plans reimburse up to 100% of the trip cost (or more) for disruptions like trip cancellation or interruption, it can be a worthwhile expense if something goes wrong.

It depends. Consider the following factors that might affect your decision: You’re young and healthy, all your bookings are refundable or cancelable without a penalty, your flights are nonstop, you’re not checking bags and a credit card you carry offers some travel protections . In that case, travel insurance might not be necessary.

On the other hand, if you prepaid a large chunk of money for a nonrefundable African safari, you’re going on a Caribbean cruise in the middle of a hurricane season or you’re going somewhere where the cost of health care is high, it’s not a bad idea to buy a travel insurance plan. Here’s how to find the best travel insurance coverage for you.

If you’re thinking of booking a trip and not planning to buy travel insurance, you may want to consider at least booking refundable airfare and not prepaying for hotel, rental car and activity reservations. That way, if something goes wrong, you can cancel without losing any money.

Selecting the best travel insurance policy comes down to your needs, concerns, preferences and budget.

As you book, take a few minutes to consider what most concerns you. Is it getting stranded because of flight trouble? Having the ability to cancel for any reason you see fit without losing money? Getting sick or injured right before departure and needing to postpone the trip? Injuring yourself or falling ill while overseas?

Ultimately, you want a plan that protects you, your money and the large investment in your trip — but doesn’t cost too much, either.

Medical coverage. If your priority is having adequate medical coverage abroad, you might want to look for plans with high limits for medical emergencies and medical evacuation.

Complex travel itinerary. If your itinerary has lots of flight connections, prepaid hotels and deposits for activities you can’t get back, prioritizing a plan with the best coverage for trip cancellations or interruptions may land at the top of your list.

Travel uncertainty. If you’re on the fence about a trip and have nonrefundable reservations, you may want to select a plan with a Cancel For Any Reason coverage option, which can help you recoup about 50% to 75% of the costs. This helps provide peace of mind, placing the decision on whether to travel entirely in your hands.

Car rentals. If you’re renting a car, a collision damage waiver is often worth looking into.

The following destinations are the top insured destinations in 2024, according to Squaremouth (a NerdWallet partner).

The Bahamas.

Costa Rica.

Antarctica.

In 2022, travelers spent about 25.53% more on trips than they did before the pandemic.

As of December, NerdWallet analysis determined travel prices are 10% higher than pre-pandemic. Each statistic makes a strong case for protecting your travel investment as you plan your next trip.

Bookmark these resources to help you make smart money moves as you shop for travel insurance.

What is travel insurance?

CFAR explained.

Is travel insurance worth getting?

10 credit cards that provide travel insurance.

Here is the list of travel cards offered by Chase that include various forms of travel insurance.

Having one of these in your wallet is a good start to protecting your travel investments and preventing expensive accidents; however, savvy travelers check card terms closely and sometimes supplement with a third-party policy, like from one of the companies above, to better protect themselves.

on Chase's website

• Trip delay: Up to $500 per ticket for delays more than 12 hours.

• Trip cancellation: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Trip interruption: Up to $10,000 per person and $20,000 per trip. Maximum benefit of $40,000 per 12-month period.

• Baggage delay: Up to $100 per day for five days.

• Lost luggage: Up to $3,000 per passenger.

• Trip delay: Up to $500 per ticket for delays more than 6 hours.

• Trip delay: Up to $500 per trip for delays more than 12 hours.

• Car rentals: Theft and collision damage for most cars in the U.S. and abroad.

• Trip cancellation: Up to $1,500 per person and $6,000 per trip.

• Trip interruption: Up to $1,500 per person and $6,000 per trip.

• Baggage delay: Up to $100 per day for three days.

We used the following factors to choose insurance providers to highlight:

Breadth of coverage: We looked at how many plans each company offered plus the range of their standard plans. 

Depth of coverage: We considered two data points to get a sense of how much each company pays out for common travel issues — the maximum caps for trip cancellation and trip interruption claims.

Cost: By looking at the costs for basic coverage across multiple companies, we determined an average cost for shoppers to benchmark plan prices against.

Customizability: While standard plans can cover a lot of ground, sometimes you need something a little more personal.

Customer satisfaction. Using data from Squaremouth when available, and Google Reviews as a backup, we can give kudos to companies with better track records from their clients.

No, it doesn’t necessarily get more expensive the longer you wait to purchase. However, as you put off buying insurance, you may lose access to potential plans and coverage options.

In general, buying travel insurance within a few days to two weeks of prepaying or making an initial deposit for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

But, generally, many plans do allow you to buy coverage quite close to your departure date.

To get the most out of your travel insurance plan, buy it soon after making your initial prepayment or deposit to ensure you have access to the biggest menu of plans possible.

Select a plan that’s comprehensive enough to cover the travel scenarios you’re most concerned about or likely to encounter but not too expensive or laden with protections you’d never likely need.

Whatever your coverage, thoroughly review the plan so you understand what’s covered and what’s not, plus how to adhere to the plan’s rules for making a claim.

Travelers frequently use phrases like “trip insurance” and “travel insurance,” as well as “trip protection,” interchangeably, but they do mean different things, according to Stan Sandberg, founder of insurance comparison site TravelInsurance.com.

Trip insurance, or trip protection, generally refers to predeparture (or preevent) coverage if you need to cancel. You may see these plans sold by airlines, online travel agencies or even ticketed event sellers.

“You could refer to it as the portion that protects the investment in the trip,” Sandberg says.

A travel insurance plan typically includes that — plus more comprehensive benefits to protect you during your trip, from medical coverage to trip delay and lost baggage protections, and many more elements, depending on the plan.

Though travel insurance is typically not required for international trips, your personal circumstances will play a key role in whether it’s a good investment.

For instance, young, healthy travelers with few prepaid trip expenses embarking on a relatively risk-free trip may not see a need to buy a plan.

Older travelers with complicated itineraries who are visiting destinations where they could potentially fall ill or get injured — or who could encounter bad weather or some other disrupting factor along the way — may want to buy coverage.

Consider a few key questions:

How well would your health insurance plan cover you if you needed to visit a hospital overseas?

How much did you prepay for a hotel or rental car?

How much money would you be out if weather or some other flight issue derailed your itinerary?

Could you afford an unexpected night in a city where you have a connecting flight?

Do you already have a credit card that provides some travel protections?

Your answers to these questions can help you decide whether you need travel insurance for your international trip.

In general, buying travel insurance

within a few days to two weeks of prepaying or making an initial deposit

for your trip is your best bet. Assuming you’re not booking last-minute, this will provide you with access to the widest possible range of coverage options. It also helps prevent any medical conditions or storms that pop up between booking and buying a plan from ending up as excluded situations, which won’t be covered by your plan.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2024 , including those best for:

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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What is travel insurance?

Travel insurance safeguards you financially from various unpleasant situations that may arise during your trip. The plan covers you whether you are heading overseas for a holiday, business meeting or education.

Some of the key travel insurance benefits include emergency evacuation, medical expenses coverage due to COVID-19, medical emergency assistance, trip cancellation cover and lost or delayed baggage coverage.

Features of ICICI Lombard's travel insurance

No medical check-up.

Need to fly abroad for an urgent business meeting but your insurer is delaying travel insurance owing to pending medical screening? If so, get an instant travel insurance quote with us without having to undergo a medical examination.

Trip cancellation & interruption cover

In case you are cancelling your trip due to a valid reason, we will reimburse you for the cancelled flight ticket.

Loss of passport

In case your passport is lost or stolen, our travel insurance will cover the cost of replacing the original passport.

Personal liability cover

If you damage someone's property or they suffer bodily injury because of an accident involving you on your trip, we will cover the legal liabilities.

Reimbursement of non-refundable prepaid payments

Reimbursement of the non-refundable prepaid payments, for the trip being cancelled or interrupted due to medical problems, acts of terrorism or natural disasters.

Advantages of buying ICICI Lombard's travel insurance policy

Medical benefits.

When you secure your trip online from us, we cover medical evacuation, personal accident, hospitalisation and repatriation of remains.

Travel benefits

Under this, we cover trip cancellation, delayed and missed connecting flights.

Luggage benefits

We compensate you for the loss incurred when your luggage is delayed at the airport or if you lose it on your trip.

Other benefits

Some of the other benefits include compassionate visit, emergency cash arrangement, loss of passport cover and personal liability.

24×7 assistance

If you are stuck in an unfavourable situation abroad, we are just a call away. You can call our toll-free number 18002666 at any hour and we’ll try to help you out.

Trip cancellation and interruption

If you have to cancel your trip due to a medical condition or medical emergency in your family our one trip holiday insurance for your single trip takes care of your losses that arise due to the trip cancellation.

Burglary cover for home contents

Our travel insurance also covers your home against burglary while you are away making memories on your international trip.

What’s covered under ICICI Lombard's travel insurance?

Hospitalisation.

In case you fall ill during your trip to an overseas destination, we will reimburse your medical expenses up to the sum insured specified in your policy document.

Lost and delayed baggage

In case of lost or delayed baggage, we will cover the cost of essentials such as toiletries, medicines etc and pay you a fixed lump sum amount.

Third party liability

If a third party suffers property or bodily injury because of your involvement in an accident while on vacation, we will cover the legal liabilities in case you need it.

Emergency cash

If you all your cash is stolen, we will arrange emergency cash for you.

Our policy will be void if you sustain an injury while participating in adventure sports

Our policy will not apply in situations where the claim has arisen due to loss of valuables and money

When you buy travel insurance plans, keep in mind that pre-existing illnesses are not covered unless they are life-threatening

Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy

Illness caused due to addiction to alcohol, drugs

Illness such as anxiety, depression

Sickness due to venereal diseases

Sickness caused due to radiation, nuclear weapons & more

Injuries caused due to adventure & other sporting activities

Expenses arising out of loss of valuables, money, securities and tickets

Naturopathy treatment, ayurvedic / homeopathic therapies

Treatment relating to removal of physical flaws - cosmetic or plastic surgery

Costs incurred relating to rest or recuperation at a spa or health resort

Policy documents:

Why should you purchase an online travel insurance plan.

Given the COVID-19 pandemic and the hectic work life, purchasing travel insurance online is a preferred choice these days. You can insure your trip the same way you book your flight tickets and hotel, from the comfort of your home. When you buy travel insurance online-

• You can compare several travel insurance plans available with us.
• You save on the premium.
• You get instant coverage and a get the policy copy of your insurance in your email.

Types of travel insurance plans in India

Single trip travel insurance.

As the name implies, this policy covers a single international trip. Such a policy is valid until the conclusion of your trip, or say, until you return to your home country.

Multi-trip travel insurance

If you travel frequently, you probably don't want to waste time and effort buying insurance for each trip. Considering this, we have come up with a multi-trip policy. The policy is valid for 365 days and you can take as many trips as you want during this period. It is a comprehensive policy that covers on-trip medical expenses, lost baggage, missed connecting flights, compassionate visit, etc.

Schengen travel insurance

The Schengen countries are a group of 26 Central European countries. If you are considering a vacation to a Schengen country, you must first acquire Schengen travel insurance. The policy protects you financially in the event of an emergency.

Student travel insurance

Nowadays, many youngsters aspire to complete their higher education in another country. Given this, we have come up with student travel insurance. The policy covers medical evacuation, study interruption, and sponsor protection.

Does ICICI Lombard's travel insurance plan cover COVID-19?

Yes, ICICI Lombard travel insurance covers COVID-19. The benefits under this cover include:

• We pay for your in-patient and out-patient hospitalisation expenses for hospitalisation due to COVID-19.
• We cover your trip cancellation if your immediate family member is hospitalised due to COVID-19.
• We compensate your lodging or boarding expenses due to trip extension if you contracted COVID-19 on your trip.
• We provide you with daily hospital cash allowance for your COVID-19 hospitalisation abroad

Eligibility criteria for travel insurance plans

Travel insurance policy can be purchased separately by an individual or can be bought for an entire family as a family travel plan. To choose an ideal plan, you must first compare travel insurance plans offered by us and the eligibility criteria for them. ICICI Lombard offers two travel insurance plans Gold and Platinum with SI 50,000$ and 100000$ respectively.

How to buy a travel insurance policy online?

Do you wish to secure your trip online before going out on a vacation abroad? If yes, here is how you can get an instant cover with ICICI Lombard.

Share your basic information and your contact details here and get an instant quote.

Pick the ideal plan that suits your needs.

Pay online using our secure payment gateway.

Get instant cover for your trip abroad.

Additional coverage under travel insurance plans

Repatriation of remains.

In an unfortunate event, if the insured person dies on the trip to an overseas nation, we will reimburse the nominee for the costs of transporting the deceased insured's remains back to his home country.

Hospital daily cash allowance

If the insured person sustains an injury or illness while on a trip, we will provide the insured with a daily allowance up to the amount prescribed in the policy document. However, to avail of the daily allowance benefit, the hospitalisation should be over two consecutive days.

Countries that need an international travel insurance policy

• There are around 34 countries that have made travel insurance compulsory for visiting their country.
• If you are planning a trip to the USA, you should first buy a travel insurance policy before making any reservations.
• If you are considering a trip to the Schengen countries, keep in mind that the 26 countries in Central Europe that make up the Schengen zone have made travel insurance mandatory for tourists.
• Some of the other countries where travel insurance is mandatory are Cuba, the UAE, Russia, Turkey, Qatar, Antarctica, and Ecuador.

How to calculate travel insurance premiums online?

Just like any other insurance policy, knowing your premium ahead of time not only allows you to compare plans but also helps you in saving a significant amount on your premium. To determine your premium online, you must use an online travel insurance premium calculator. To use this tool, you will need to enter information such as your age, destination, number of travellers and trip duration.

Tips to lower your travel insurance premium

If you are fond of exploring new places across the globe, a multi-trip policy can help you save on insurance premium.

When you buy travel insurance online, evaluate and compare the various plans as per your needs and budget.

Claim procedure for travel insurance policies

Even if you have the best travel insurance policy, dealing with unpleasant incidents on your trip might be difficult if you are unaware of the claim procedure. To initiate a claim during an emergency on your trip, you will first need to inform us over the call or via an email. Post intimation, you will have to provide the supporting documents related to your claim. Following your submission, we will evaluate the details and the documents and come back on your claim.

Things to consider while buying travel insurance online

When purchasing travel insurance online, keep the purpose of your trip in mind. Fill in your details and compare travel insurance plans to select an appropriate one from those we offer. If you travel frequently, a multi-trip policy would be excellent for you.

Before securing your trip, plan how you want to spend your holiday; this will help you determine the scope of your policy's coverage.

Health comes first, but falling sick should come last while on your trip. But if you still end up being unwell on your trip, it’ll help to have a travel insurance covering your medical expenses in a foreign land.

Check and compare the claim settlement ratio of various insurers when you buy travel insurance online.

When securing your trip, check the swiftness of the insurer's claim settlement process.

Frequently asked questions about COVID-19 for international travel insurance claims

How many times can we extend the policy, how can i cancel my travel insurance policy, do i get a grace period for my travel insurance policy, can i buy travel insurance after leaving the country, will pre-existing diseases be covered under my travel insurance policy, can i get travel insurance cover if my trip has already started, is it possible for me to claim covid-19 related hospitalisation expenses while on my trip abroad, if i cancel my trip due to covid-19, will i be compensated for the loss incurred as a result of trip cancellation, i have both health and single trip travel insurance; will the covid-19 claim will be applicable in both cases, reviews and ratings.

Our customers have rated us

Ashish Agarwal

ICICI Lombard’s salesperson was very good at his job. He was well aware of the benefits of the travel insurance plan such as emergency hotel extension and coverage against total loss of checked-in baggage. He answered all my queries, and overall, gave me good service. Thanks for your support which helped me to buy insurance without any hassle.

Your salesperson assisted me in the purchase of my travel insurance policy. She was extremely helpful, and patiently guided me through the process. She also clearly explained the policy inclusions like coverage against total loss of checked-in baggage, and exclusions. This helped me to make an informed choice. I will definitely recommend ICICI Lombard to my other friends too. Thank you.

Shoubhik Chakraborty

I wanted to buy travel insurance for my upcoming visit to Spain. ICICI Lombard’s salesperson helped me to buy a policy that was suitable for my visa requirements and for my personal insurance needs too. Overall, I’m very satisfied with her assistance. Many thanks for suggesting the perfect travel insurance plan to me.

K. Thothathiri

I’d been surfing the Internet for travel insurance. Imagine my surprise when within a few seconds of applying for a quote, I got a call from your agent. She was polite and had good command over English. She helped me to understand the policy benefits and purchase procedure, and waited patiently when I told her that I’ll get back with my response in a day.

Suparna Shankar

Your agent helped me to purchase an international travel insurance policy. He was very clear and crisp in his communication. He was also very patient and supportive, and did a good job of helping me set my ICICI Lombard insurance profile right. I would rate him 9 out of 10.

Sanober Garda

I am impressed with the assistance I received from your insurance executive. He was very helpful and patient throughout the purchase of my travel insurance policy. In fact, I would describe him as one of the best executives I have spoken with so far.

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We are unable to process your request. Please reach out to our Customer Support team at +91 9289228888 for further assistance. We apologize for the inconvenience.

We understand that sometimes even the best laid plans can be disrupted due to unexpected circumstances and for such situations, it is best to be covered.

We are happy to introduce Vistara Travel Insurance that allows you to book your future travel with flexibility and peace of mind by insuring your travel and covering it in case of any unexpected circumstances.

We have partnered with Allianz Partners to provide you protection in case of delays, cancellations, medical emergencies, lost or stolen baggage and more – the benefits you enjoy ensure you travel with complete ease. Since there have been many changes in our travel plans owing to the ongoing pandemic – we at Vistara want to ensure our customers are taken care of and are confident when they fly with us. Our policies also include COVID-19 coverage- if you are diagnosed with COVID-19 either before your trip commences or during your trip.

For travel within India

Safeguard your future travels with Vistara Travel Insurance. The travel insurance helps you prepare for the unexpected - from flights delays, cancellations to medical needs; Vistara, in partnership with Bajaj Allianz, will make sure you are completely covered and at ease when you book with us. Our policies also cover medical & hospitalization expenses pertaining to COVID-19.

For insurance information when travelling within India, click here .

For international travel

Whether you are planning an adventure on the snowy slopes or relaxing by the beautiful beaches, travelling overseas is always an exciting experience.

Add Vistara Travel Insurance that safeguards you against any adversities during your trip and allows you to travel with complete peace of mind. With Vistara, you will be covered for many unforeseen costs incurred and can travel stress-free.  

For insurance information when travelling from India to international destinations, click here .

Frequently Asked Questions

Introducing Vistara Travel Insurance

What is Vistara Travel Insurance?

Vistara Travel Insurance is a travel insurance product exclusively designed for Vistara customers and is only available on  www.airvistara.com . It protects you from certain unexpected events during your trip such as medical expenses, personal accident, travel inconvenience, etc.

This is subject to the terms, conditions, exclusions, and benefits limits of the policy wording.

This product is underwritten by ‘Bajaj Allianz General Insurance Company Limited’ as the insurer with the assistance services provided by ‘AWP Assistance (India) Private Limited’ (trading as ‘Allianz Travel’ in India) as its Corporate Agent. In no way does Vistara airlines represent to be an agent of the insurer.

Who can purchase Vistara Travel Insurance?

Travel Insurance is valid for Indian resident(s)/Indian Passport Holders aged up to 70 years and for those who are traveling on non-migrant visa wherein the journey is originating from India (only). The insurance does not cover any pre-existing diseases.

How can I apply for Vistara Travel Insurance?

The Travel Insurance product can be added to your itinerary while making booking your flight on www.airvistara.com . Alternatively, you may purchase Travel Insurance via Manage My Booking on www.airvistara.com .

When can I purchase Travel Insurance? You can purchase travel insurance when your flight departure date is a maximum of 90 days from the date of booking. Under no circumstance will travel insurance be offered if the flight departure date is more than 90 days from the flight booking date.

Can I purchase Vistara Travel Insurance if I’m travelling only One-Way?

Yes, if your policy was purchased as part of a one-way booking, your coverage end date will be the scheduled return date for your trip as below:

• Domestic insurance: maximum 30 days from the departure date or return date; whichever is earlier.

Additionally, your policy can end earliest at:

• At 23:59 on the day you cancel your policy; or
• At 23:59 on the day you file a trip cancellation claim with us;
• At 23:59 on the day you end your trip, if you end your trip early;
• At 23:59 on the day you arrive at a medical facility for further care if you end your trip due to a medical reason; or
• At 23:59 on the 30th of the domestic trip

I am travelling to multiple destination on Vistara, will I be able to purchase Travel Insurance?

Yes, you will be able to purchase Vistara Travel Insurance. We will use the furthest destination as the final duration and premium for your itinerary.

Benefits of Vistara Travel Insurance

When does my travel coverage begin and end?

You are only eligible for coverage if we accept your request for insurance. Your policy’s coverage effective date/trip start date and coverage end date are indicated in your certificate of insurance. You must start and end your trip in India.

Coverage is only provided for losses that occur while your policy is in effect.

Except for one-way and same-day return trips, the departure date and return date that you provided at time of purchase are counted as two separate days of travel basis which we calculate the duration of your trip.

Your policy ends on the coverage end date listed in your certificate of insurance. However, there are situations where your policy may end on a different date. If your policy was purchased with a one-way booking, your coverage end date will be the scheduled return date for your trip as below:

• At 23:59 on the day you cancel your policy ; or
• At 23:59 on the 30th day of the domestic trip

However, if your return travel is delayed due to a covered reason, we will extend your coverage period until the earlier of when you are able to return to your point of origin or primary residence, or until you arrive at a medical facility for further care following a medical repatriation or trip interruption.

This policy applies for a specific trip and cannot be renewed.

Can I continue my medical treatment after I return to India?

Yes, we will pay up to the maximum benefit listed in your Coverage Summary for your continuing medical treatment in India.

The following conditions apply:

• We will not pay for continuation of medical treatment for longer than 14 days after the date you return to Singapore.
• The illness, injury or condition must have occurred during your trip, and you must have sought medical treatment abroad.
• For claims related to COVID-19, you must have received a positive COVID-19 test abroad.

Can I cancel my Vistara flight booking for any reason and get a full refund of my air fare because of the Trip Cancellation Benefit in my policy?

The Trip Cancellation and Trip Interruption benefits in your policy only cover the non-refundable portion of your air fare and other trip costs if you cancel, postpone, or cut your trip short due to covered reasons. This includes serious sickness or death in your family that would prohibit you from continuing with your trip. Pre-existing medical conditions of self or family members are not covered.

Where can I get the full Policy Wording of Vistara Travel Insurance Policy?

For domestic policy wording, click here and for international policy wording, click here .

COVID-19 Coverage under Vistara Travel Insurance

What are the key benefits for COVID-19 coverage under Vistara Travel Insurance?

Vistara Travel Insurance does cover medical & hospitalization expenses pertaining to COVID-19.

Benefits for COVID-19 coverage are covered up to the Medical Expenses benefit’s sum insured mentioned in each travel insurance plan.

When does the COVID-19 coverage cease for the customer?

The COVID-19 coverage will cease as per the return date mentioned on your policy document.

If your policy was purchased with a one-way booking, your coverage end date will be the scheduled return date for your trip as below:

• Domestic insurance: maximum 30 days from the departure date or return date; whichever is earlier.

When travelling from India to international destinations:

If a customer is quarantined upon return to India, is he/she covered?

No, the policy does not cover quarantine in India on return.

If a customer tests positive for COVID-19 after arriving back in India, is he/she covered for medical expenses in India?

No, Vistara Travel Insurance will cover the necessary and reasonable medical costs incurred during the overseas trip, as a result of the customer contracting COVID-19 during the overseas trip. We will pay up to the maximum sum insured limit mentioned against Medical Expenses benefit in each travel insurance plan.

• We will not pay for continuation of medical treatment for longer than 14 days after the date you return to India.
• The illness, injury or condition must have occurred during your trip, and you must have sought medical treatment during your trip.
• For claims related to COVID-19, you must have received a positive COVID-19 test during your trip.

The following conditions and exclusions apply :

• The care must be medically necessary to treat an emergency condition, and such care must be provided by a doctor, dentist, hospital, or other provider authorised to practice medicine or dentistry.
• This coverage will not pay for continuation of medical treatment in India, unless you qualify for the additional covered reasons above;
• This coverage will not pay for any care for any illness, injury, or medical condition that did not originate during your trip abroad.
• Elective cosmetic surgery or care;
• Annual or routine exams;
• Long-term care;
• Allergy treatments (unless life threatening);
• Exams or care related to or loss of/damage to hearing aids, dentures, eyeglasses, and contact lenses;
• Physical therapy, rehabilitation, or palliative care (except as necessary to stabilise you);
• Experimental treatment; and
• Any other non-emergency medical or dental care.
• You must not have travelled against the orders or advice of any government or other public authority at any location to, from, or through which you are travelling on your trip.

After purchasing Vistara Travel Insurance

What should I do if I did not receive my Insurance Confirmation in my inbox?

If you would still like to receive a copy of your Insurance Confirmation for your records, please email us at [email protected] with your request including your Full Name, Date of Purchase, Confirmation Number (if available), Travel Dates and Email Address.

I have updated my Vistara flight booking. How can I change the details of my travel insurance policy?

If you wish to make changes to your policy, please email us at [email protected].

Please note that changes to your policy will only be entertained if there were changes made to your Vistara flight booking.

Can I cancel my travel insurance policy and receive a refund?

Yes, cancellations are allowed before trip inception/start date after the receipt of your certificate of Insurance. No cancellation is allowed thereafter.

Please contact us via email at [email protected].

Coverage and Claims:

What should I do if I fall sick or encounter an accident abroad?

Please contact Allianz 24-hour Emergency Assistance at +91 124 4343838 if you need medical assistance while travelling. This service is provided by Allianz Assistance. Please retain the original copies of your receipts to ensure a smoother claim process.

How do I file for a claim?

Claims form can be downloaded by clicking on claim form .

Filled up claim form and all related documents/original receipts may be shared via email to [email protected].

Is there a cut-off time for filing my claims?

Yes, you have to notify us of your claim no later than 30 days after the occurrence of the claimable event.

How long does it take to process my claims?

As a Vistara customer, your claim will be processed as a priority. Bajaj Allianz endeavors to complete the claims review process within seven (7) working days upon receipt of all necessary documents.

Data Discloser Policy

Information pertaining to the customers will be dealt strictly in accordance with applicable laws of respective countries with respect to data privacy, including without limitation, the Information Technology Act 2000, the Information Technology (Reasonable security practices and procedures and sensitive personal data or information) Rules 2011, and the European General Data Protection Regulation (EU/2016/679) (“GDPR”), and any amendments/modifications thereof, to the extent it applies to such personal data.

Travel Insurance Provider

This product is underwritten by ‘Bajaj Allianz General Insurance Company Limited’ as the insurer with the assistance services provided by ‘AWP Assistance (India) Private Limited’ (trading as ‘Allianz Travel’ in India) as its Corporate Agent. In no way Vistara airlines represents to be an agent of the insurer.

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Visitor Guard® alerts Summer 2024 Visitors to the US about reduced medical cover for pre-existing conditions

A pre-existing condition is any medical condition you have been diagnosed with or treated for before purchasing travel insurance..

Visitor Guard®, a leading provider of travel insurance for international visitors to the US, is urging summer travelers from India to carefully review their medical coverage, particularly regarding pre-existing conditions, before embarking on their US adventure.

Recent industry trends indicate a potential reduction in coverage for pre-existing conditions offered by visitor insurance plans. Most visitor insurance plans offer coverage for the acute onset of only non-chronic pre-existing conditions. This could leave Indian visitors, especially senior citizens vulnerable to significant financial burdens in case of a medical emergency due to a chronic pre-existing condition during their US trip.

"Traveling to the US is a dream for many Indian parents, and unforeseen medical situations can quickly turn that dream into a nightmare," says Chiranth Nataraj , the founder of Visitor Guard®. "Our company is committed to ensuring visitors have peace of mind knowing they are protected financially in case of an unexpected medical event. However, we are deeply concerned about the potential decrease in coverage for pre-existing conditions offered by some travel insurance providers."

A pre-existing condition is any medical condition you have been diagnosed with or treated for before purchasing travel insurance. Some common examples include high blood pressure, diabetes, asthma, and allergies. Visitor insurance plans do not offer any coverage for pre-existing conditions. However, some plans may offer limited coverage for acute onset of pre-existing conditions up to a certain age limit.

Medical care in the US can be exceptionally expensive. Even a minor medical issue can result in substantial bills for doctor visits, medications, or hospital stays. Visitor insurance with comprehensive coverage can offer crucial financial protection for international visitors, helping them avoid the stress and burden of unexpected medical expenses.

Visitor Guard® advises Indian travelers coming to the US to take the following steps to ensure they have adequate medical coverage. Carefully review the details of the plan before purchasing it. Pay close attention to the acute onset of the pre-existing conditions section and understand the level of coverage provided.

If you are considering buying a plan from us, Visitor Protect is one of the plans that covers pre-existing conditions for doctor visits or prescription refills up to 70 years and older. Other plans like Safe Travels USA Comprehensive, Patriot America, Atlas America, Safe Travels USA, and others offer coverage only for an acute onset of pre-existing conditions. Nevertheless, each plan has distinct definition for both pre-existing conditions and acute onset of the pre-existing condition, hence reviewing the brochure is recommended.

If you are unsure about any aspect of travel insurance coverage, especially regarding pre-existing conditions, consult with a travel insurance professional who can help you find the right plan for your needs.

"At Visitor Guard®, we understand the importance of comprehensive medical coverage, especially for Indian seniors with pre-existing conditions," states Mr Nataraj. "We remain committed to offering a wide range of visitor insurance plans designed to provide peace of mind and financial protection for all international visitors to the US, regardless of their medical history."

About Visitor Guard®

Visitor Guard® is a leading provider of travel insurance for international visitors to the United States. We offer a variety of comprehensive travel insurance plans designed to protect visitors from a range of unexpected events, including medical emergencies, medical evacuations, repatriations, trip interruptions, and travel delays.

Pallavi Sadekar

The Head of Operations

(804) 325-1385

[email protected]

Disclaimer: This article is a paid publication and does not have journalistic/editorial involvement of Hindustan Times. Hindustan Times does not endorse/subscribe to the content(s) of the article/advertisement and/or view(s) expressed herein. Hindustan Times shall not in any manner, be responsible and/or liable in any manner whatsoever for all that is stated in the article and/or also with regard to the view(s), opinion(s), announcement(s), declaration(s), affirmation(s) etc., stated/featured in the same. The article does not constitute financial advice.

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