travel insurance online india

From flight delays to medical emergencies, we got you covered. Secure your trip with HDFC ERGO Explorer. Travel Worry-free.

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Travel Insurance -  Your Safety Net at Foreign Shores

A medical or dental emergency can catch you off guard in a faraway land, derail your travel plans, and cost you dearly, as medical expenses in a foreign land can be high-priced. However, international travel insurance can save you from such expenses. Apart from this, it also provides reimbursement for essentials in case of delay or loss of check-in baggage, covers for loss of passports, visas, identity proof, etc. It also provides assistance in case of theft, burglary, accident assistance and medical evacuation in times of crisis. So, whether you travel overseas solo or with your family, remember to get travel insurance to enjoy a memorable and relaxed holiday. Many countries have also made it mandatory to get travel insurance before entering their borders. Check out HDFC ERGO’s travel explorer to explore the world confidently with 21 benefits and 3 tailor-made plans, just for you. You can buy travel insurance online from the comforts of your home. In addition, we offer medical facilities at 1Lac+ cashless hospitals** worldwide.

Introducing HDFC ERGO Travel Explorer

To make your travels filled with excitement and keep worries at bay, HDFC ERGO brings you the all-new international travel insurance, packed with more benefits than you can imagine. Explorer's got your back, whether it is a medical or dental emergency, loss or delay of your checked-in baggage, flight delays or cancellations, theft, robbery or loss of passport when overseas. It comes with up to 21 benefits packed in one, and 3 tailor-made plans just for you.

Schengen approved travel insurance

Competitive premiums, increased sum insured limit, medical & dental emergencies, baggage mishap, in-trip crisis, here's why you need hdfc ergo's travel insurance, covers emergency medical assistance.

Met with an unexpected medical emergency, in a foreign territory? Travel insurance, with its emergency medical benefits, is just the friend you need during such a toughtime. Our 1,00,000+ cashless hospitals are there to take care of you.

Covers Travel Related Inconveniences

Flight delays . Loss of baggage. Financial emergency. These things can be quite unsettling. But with travel insurance backing you up, you can keep calm and carry on.

Covers Baggage-Related Hassles

Buy #SafetyKaTicket for your travel. Whenever you’re travelling abroad all baggage carries all your essentials, and we cover you against baggage loss and baggage delay for checked-in baggage.

Affordable Travel Security

Secure your international trips without breaking the bank. With affordable premiums for every kind of budget, the benefits of travel insurance far outweigh the costs.

Round-the-clock Assistance

Time zones don’t get in the way of a good travel insurance plan. No matter what time it is in your part of the world, dependable assistance is just a call away. Thanks to our in-house claim settlement & customer support mechanism.

1 Lac+ Cashless Hospitals

There are a million things you can take on your trips; worry shouldn’t be one of them. Our 1 Lac+ cashless hospitals networked worldwide will make sure your medical expenses are covered.

Travel Insurance Plans For All Types Of Travellers

Travel plan for individuals.

If you’re flying solo in your search for new experiences, the HDFC ERGO Individual Travel Insurance, with its host of inbuilt benefits that make your travel experience smooth and seamless, is the trusted companion you need to take along for company.

Travel plan for Families

Family vacations are when you make memories that transcend time and last across generations. Now, with the HDFC ERGO Family Travel Insurance, give your loved ones the security they deserve as you and your family take off into the sunset for the vacation of your dreams.

Travel plan for Frequent Fliers

The HDFC ERGO Annual Multi-trip Insurance is tailored just for you, so you can secure multiple trips under one comprehensive insurance plan. Enjoy multiple trips, easy renewals, in-house claim settlement and so much more.

Travel plan for Students

Planning to pursue higher education at foreign destinations, then do not leave your home without a valid travel insurance. It will secure your prolonged stay and make sure you concentrate only on studies.

Travel Plan for Senior Citizens

Whether planning to go for a leisure holiday or visit a loved one, secure your trip with HDFC ERGO’s Travel Insurance for Senior Citizens to get cover from any medical or dental emergencies that can catch you off guard overseas.

Compare Travel Insurance Plans

So, have you compared the plans and found the one that suits you best, what does hdfc ergo travel insurance policy cover .

• Medical Coverage
• Journey Coverage
• Baggage Coverage

Emergency Medical Expenses

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

Dental Expenses

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

Personal Accident

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

Personal Accident : Common Carrier

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

Hospital cash - accident & illness

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

Flight Delay & Cancellation

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

Trip Delay & Cancellation

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

Loss of Passport & International driving license

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

Trip Curtailment

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

Personal Liability

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

Emergency Hotel Accommodation for Insured Person

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

Missed Flight Connection

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

Hijack Distress Allowance

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

Emergency Cash Assistance Service

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

Loss Of Checked-In Baggage

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

Delay of Checked-In Baggage

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

Theft of baggage and its contents

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

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

What Does HDFC ERGO Travel Insurance Policy Not Cover?

Breach of law.

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

Consumption of Intoxicant substances

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

Pre existing diseases

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

Cosmetic and Obesity Treatment

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

Self Inflicted Injury

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

Key Features of HDFC ERGO Travel Insurance Policy

  does hdfc ergo’s travel insurance cover covid-19.

The world is returning to normal after being in the clutches of the COVID-19 pandemic for almost two years. However, the worst is not over yet. A new variant of the virus - Arcturus covid variant – has caused much concern among the public and healthcare experts alike. The presence of this new covid variant has been reported in many countries across the globe. The concern regarding this new covid variant is that it is believed to be more transmissible than previous strains, but it is still unclear whether it is more deadly than the previous ones. This uncertainty also means that we cannot put anything to chance yet and must follow the basic precautions to prohibit transmission. Masks, sanitisers and compulsive cleaning should still be our mainstay.

In the face of rising Covid cases in India , the importance of vaccinations and booster doses has again been highlighted. If you aren’t vaccinated yet, it’s high time you get the jab. International visits can be interrupted if you have not taken the requisite doses, as it is one of the mandates for overseas travel. The symptoms of Arcturus covid virus can range from mild to moderate, manifesting as - cough, fever, fatigue, loss of smell or taste, and difficulty breathing. Some individuals may also experience muscle aches, headaches, sore throat, congestion, conjunctivitis, or pink eye. If you experience any of these symptoms while travelling overseas, rush to the nearest hospital for a check-up. Medical expenses in a foreign land can be expensive, so having the backing of travel insurance can be of much help. HDFC ERGO’s international travel insurance policy ensures that you are protected if you catch COVID-19.

Here’s what is covered under the travel medical insurance for COVID-19 -

● Hospitalisation expenses

● Cashless treatment at network hospitals

● Daily cash allowance during hospitalisation

● Medical evacuation

● Extended hotel stay for treatment

● Medical and body repatriation

How to Modify or Extend existing Travel Insurance Policy?

Even though the terms and provisions of your travel insurance are locked in the minute you sign off on the plan and pay your premium, you can modify dates of your existing plan with HDFC ERGO in the following manner:-

Change in Travel Dates prior to undertaking the travel: Dates of travel insurance policy can be changed if the journey has been postponed due to any reason. For example, If the policy was taken from 01-Nov21 to 30-Nov-21, modification can be allowed if the dates have to be changed to 01-Dec-21 to 30-Dec-21. The change is allowed for a date after the one already chosen. Modification is not allowed if the journey is scheduled to begin before the existing date 01-Nov-21. Should such a situation arise, the existing policy will need to be cancelled completely and then a new travel insurance cover can be purchased for the required dates.

Extending the international travel insurance policy is possible subject to the following conditions:

1. The original travel insurance policy has not expired.

2. There is no claim in the original policy.

3. The sum insured will not be enhanced upon extending the plan.

4. You will need to provide a declaration of good health.

5. The premium for extension has to be paid before the actual extension is affected.

6. Total period (policy + extension) does not exceed 360 days.

7. Extension is allowed on Single Trip policies only. Annual Multi-Trip policies cannot be extended.

You can change travel dates for HDFC ERGO travel insurance online in following ways:

1. Visit the HDFC ERGO website here

2. Under the banner, go to ‘ Want to modify existing travel policy? Click here’

3. You will be directed to a new page where you can change or extend travel date.

4. Next, you must enter your policy number.

5. In case of extending your dates, you must pay an extension premium on your travel insurance.

Know your Travel insurance premium In 3 Easy Steps

Add your trip details

Fill your personal details

choose your travel insurance plan

Choose your travel insurance plan

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

Why do you need overseas travel insurance policy.

With HDFC ERGO travel insurance policy, you can go for a trip without worrying about anything. We provide coverage for untimely expenses that might occur during your journey like, loss of luggage, missing out on connecting flight, or the risk of getting infected by COVID-19. Hence to avoid creating a big hole in your pocket due to any unwanted events, buying comprehensive International travel insurance is a must.

Our travel insurance will essentially secure you under following circumstances:

Medical Expenses

Loss of documents & baggage, flight delays, delay in baggage arrival, emergency dental expenses, emergency financial assistance, international travel insurance for most visited countries.

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

Travel Insurance for UAE

Travel Insurance for France

Travel Insurance for Canada

Travel Insurance for Schengen VISA

Travel Insurance for Japan

Travel Insurance for Singapore

Travel Insurance for Malaysia

Travel Insurance for Australia

Travel Insurance for USA

Travel insurance for thailand, travel insurance for germany.

Travel Insurance for Bali

 here’s what you should keep in mind before buying, the duration of your trip.

The longer your trip, the higher the insurance premium will be, since the risk involved in longer stays abroad is higher.

The destination of your trip

If you’re travelling to a country that is safer or economically more stable, the insurance premium will likely be lower.

The amount of coverage you need

Higher the sum insured higher will be your travel insurance premium.

Your renewal or extension options

You can extend or renew your travel insurance whenever it’s about to expire. Refer policy document for more details.

The age of the traveller(s)

Typically, older travellers may be charged a higher premium. This is because the probability of medical emergencies occurring increases with age.

  Factors That Affect Your Travel Insurance Premium

The country you’re travelling to, the duration of your trip¨, the extent of coverage you choose,   how to claim travel insurance.

The claim process of HDFC ERGO travel insurance is an easy 4 step process. You can make a travel insurance claim online on a cashless as well as reimbursement basis.

• Cashless Claim
• Reimbursement Claim

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

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

Mail Documents

Send the cashless claim documents and policy details to our TPA partner- Allianz Global Assistance, at [email protected] .

Our concerned team will contact you within 24 hours for the further cashless claim process as per policy terms & conditions.

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

[email protected] will share the checklist of documents required for reimbursement claims.

Send all required documents to [email protected] for reimbursement as per the Checklist

Upon receipt of complete documents, the claim will be registered and processed within 7 days as per policy terms & conditions.

List Of Countries Where Travel Insurance Is Mandatory

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

Schengen countries

• the Netherlands
• Switzerland
• Liechtenstein and Luxembourg

Other countries

Source : VisaGuide.World

Decoding Travel Insurance Terms

Confused about all the travel insurance jargon floating around? We’ll make it easier for you by decoding some commonly used travel insurance terms.

Sum Insured

The sum insured is the maximum amount the insurance company will pay you in case any of the insurable events occur. In other words, it’s the maximum coverage that you are entitled to under your travel insurance plan.

Sublimits are additional monetary limitations in the coverage offered by your travel insurance policy. They limit the cover applicable to specific insurable events or losses, and they are a part of the original overall coverage offered by the policy.

In some cases, when an insurable event happens, you may have to pay some of the expenses involved out of your own pocket. This amount is known as the deductible. The rest of the expenses or losses will be borne by the insurance company.

Cashless settlement

Cashless settlement is a kind of claim settlement process where the insurer directly pays the costs involved in case of any insurable loss on behalf of the policyholder.

Reimbursement

This is a kind of claim settlement wherein the policyholder pays the expenses out of pocket first, and the insurance company later reimburses the costs as per the coverage limits in place.

Single Trip Plans

Single trip plans are travel insurance plans that provide coverage for only one trip. You can buy this plan in advance of your international holiday.

Multi-trip Plans

Multi-trip plans are travel insurance policies that offer coverage for multiple trips within a predetermined period. Typically, the cover offered by multi-trip plans is valid for one year.

Family Floater Plans

Family floater plans are for families, as is evident from the name. These plans offer travel insurance coverage that extends to every member of the family who is travelling on the insured journey.

Travel Insurance Policy Documents

Travelling to the US?

There’s nearly a 20% chance that your flight could be delayed. protect yourself with hdfc ergo’s travel insurance., travel insurance  reviews & ratings.

Our customers have rated us

STUDENT SURAKSHA OVERSEAS TRAVEL

10 Sep 2021

Happy with the service

my:Single trip Travel insurance

05 Jul 2019

I have seen few of the insurance policies before deciding to choose HDFC insurance as my life partner. One of the interesting part is monthly-autodeduction from my card as well as it sends the reminder before the due date. The app developed is also so friendly to use and gives me a better experience compared to other insurance company.

Pros: - excellent pricing: quotes from other insurers during past three-four years have been always 50-100% higher including all possible discounts and membership benefits - excellent service: choice of billing, payment, documentation options - excellent customer service: newsletters, prompt and professional replies from the representatives Cons: - none till now

Travel Insurance News

Pakistan-China Khunjerab Border Reopens, Boosting Trade and Tourism

The Pakistan-China Khunjerab border reopens after a four-month winter closure, facilitating trade and tourism between the two nations. The agreement mandates closure from December 1 to March 31 annually due to severe weather conditions. The reopening promises economic benefits, with uninterrupted transportation of essential goods for Pakistan's development projects continuing during the closure period.

Taiwan Revises Tourism Targets Amid Cross-Strait Travel Challenges

Taiwan reevaluates its tourism goals due to cross-strait travel hurdles, potentially facing a 2 million shortfall in foreign visitor arrivals this year. Tourism Administration Director-General Chou Yung-hui hints at adjusting targets downward to 10 million, with full recovery not expected until 2025, citing China's ban on group tourist visits to Taiwan.

Akasa Air Launches International Operations with Mumbai-Doha Flight

Akasa Air initiates its international operations with its first overseas flight from Mumbai to Doha, Qatar. The airline secures traffic rights for additional destinations in Kuwait, Jeddah, and Riyadh, signaling rapid global expansion. Convenient flight schedules offer travelers from various domestic cities seamless connectivity to Doha via Mumbai.

Lufthansa Faces Two-Day Cabin Crew Strike in Germany

Deutsche Lufthansa AG braces for a two-day cabin crew strike in Germany, adding to recent labor disruptions. The strikes, announced by labor union UFO, will impact departures from Frankfurt on Tuesday and Munich on Wednesday. The airline grapples with ongoing transport disruptions, projecting wider losses for the first quarter amid labor actions and cargo downturn.

China Southern Airlines Launches Historic Nonstop Flight to Mexico

China Southern Airlines is set to inaugurate its first nonstop route to Mexico City from Shenzhen, marking China's longest flight and underlining Mexico's growing importance as an economic partner. Despite logistical challenges, including high altitude in Mexico City, the move reflects the burgeoning trade ties between China and Mexico amid geopolitical tensions.

Singapore Introduces QR Code Entry for Land Checkpoints

Singapore implements QR code entry at Woodlands and Tuas land checkpoints, eliminating the need for passport checks starting March 19. This move aims to reduce wait times by 30%, particularly during peak periods. The initiative extends to other checkpoints with Malaysia, aligning with efforts to streamline border crossings as travel resumes post-Covid.

Read Latest Travel Insurance Blogs

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Frequently asked questions on travel insurance, 1. is it necessary to buy travel insurance.

Yes, it is. Travel insurance is the ultimate seal of safety you can add to your journey, so you can enjoy your vacation or turn that business trip into a success without worrying about the stressful scenarios that could occur unexpectedly. With travel insurance acting as your #SafetyKaTicket, you can rest assured that you’re insured against the financial losses or burden associated with flight delays, loss of baggage, and even emergency medical expenses when you’re in another city, among other things.

1. How does travel insurance work?

Travel insurance acts as a financial safety net and protects you against the possible financial repercussions of unexpected emergencies on your journey. When you purchase a travel insurance policy, you essentially buy a cover against certain insurable events. It offers medical, baggage-related and journey-related coverage. In case any of the insured events, like flight delays, loss of baggage, or medical emergencies occur, your insurer will either reimburse the additional costs that you incur on account of such incidents, or they shall offer a cashless claim settlement for the same.

2. Is a medical checkup necessary before the policy is purchased?

We have good news for you here. A medical checkup is not necessary if you’re planning to buy the HDFC ERGO travel insurance policy. You can bid goodbye to health checkups and purchase travel insurance without any hassle.

3. Is it necessary to get prior approval of the insurance provider before proceeding with medical treatment should the necessary arises?

Emergency medical needs must be treated in time if the need arises. And that is why it is not necessary to get any sort of prior approval from the insurer before you proceed with medical treatment, but it is better to inform the insurance company of the claim. However, the nature of the treatment and the terms of the travel insurance policy will determine if the treatment is covered by the travel insurance.

4. Can you buy travel insurance after booking your trip?

Yes, you most certainly can buy travel insurance after you’ve made a booking for your trip. In fact, it’s a smart idea to do so, because that way, you will have a better idea of the details of your trip, such as the start date, the end date, the number of people accompanying you and the destination. These details are all essential to determine the cost of your travel insurance cover.

5. Is travel insurance mandatory?

Well, that depends on where you’re travelling to. To be more specific, there are 34 countries that have made travel insurance mandatory, so you’ll need to purchase a cover before you travel there. These countries include Cuba, The United States of America, The United Arab of Emirates, Ecuador, Antarctica, Qatar, Russia, Turkey and the group of 26 Schengen countries.

7. What is a deductible? Why is this necessary?

A deductible is simply that amount of a claim that you will need to meet from your pocket, before the insurer steps in and bears the rest of the costs involved. Insurance policies have deductibles because they help the insurer share the costs with the policyholder. And knowing that some of the costs may need to be borne out-of-pocket keeps the policyholder from engaging in any risky behavior that may result in losses that are insured.

6. What are the age criteria for which you issue a travel insurance policy online in India?

single trip-91 days to 70 years. AMT same, family floater – from 91 days to 70 years, insuring upto 20 people. The exact age criteria vary from one travel insurance policy to another, and also from one insurer to the next. For the travel insurance policy from HDFC ERGO, the age criteria depend on the kind of cover you opt for. • For single trip insurance, people aged between 91 days and 70 years can be insured. • For annual multi trip insurance, people aged between 18 and 70 years can be insured. • For family floater insurance, which covers the policyholder and up to 18 other immediate family members, the minimum age of entry is 91 days and can be insured up to 70 years.

7. When should you buy a travel insurance policy?

That depends on the number of trips you’ll be taking during the year. If you’ll likely just take the one trip, you will want to purchase a single trip cover. The ideal time to buy a travel policy for a single trip is within a couple of weeks of booking your flight tickets. On the other hand, if you plan to take multiple trips during the year, it would be a better idea to purchase your travel insurance plan well in advance, before you book your various trips.

8. In which Schengen countries is travel insurance mandatory?

Travel insurance is mandatory for traveling to all 26 Schengen countries.

9. Can more than one policy be issued for the same trip?

No. HDFC ERGO does not provide multiple insurance plans to the same person for the same trip.

10. Are business travellers eligible to purchase a Travel Insurance policy?

Yes, Indian Nationals travelling abroad for business can purchase travel insurance policy.

11. When does the travel insurance cover begin and end?

Travel insurance is usually taken for the duration of travel. The policy will mention the start and end date on its schedule.

12. Where can customers access the list of network hospitals?

You can find your preferred hospital from among HDFC ERGO’s list of partner hospitals https://www.hdfcergo.com/locators/travel-medi-assist-detail or send mail to [email protected].

13. Is it mandatory for the customer to be in India for international travel policy issuance?

Policy can be taken only if the insured is in India. Cover is not offered for individuals who have already travelled abroad.

14. Can I buy travel insurance after leaving the country?

Unfortunately, you cannot buy travel insurance after leaving the country. The traveller needs to ensure availing of the travel insurance policy before travelling abroad.

15. What are the sublimits of this product?

No sub-limit has been specifically imposed for customers visiting Schengen countries. For insured individuals below 61 years of age, there are no sub-limits applicable under travel medical insurance. Sub-limits are applicable to insured individuals aged 61 years and older for various expenses, including hospital room and boarding, physician fees, ICU and ITU charges, anaesthetic services, surgical treatment, diagnostic testing expenses, and ambulance services. These sub-limits are applicable to all travel insurance policies regardless of the plan purchased. For more details, refer to the product prospectus.

16. How much does travel insurance cost?

The cost of a travel insurance policy depends on a lot of factors. The cost is not fixed or uniform for all trips. The following factors determine how much premium would be payable –

● The type of policy

There are different types of travel insurance plans available and each plan has a different premium. Single trip plans are cheaper than annual multi-trip plans. Individual plans are cheaper than family plans and so on.

● The destination

Different countries attract different premiums. Developed countries like the USA, UK, Australia, etc. involve higher premiums than others.

● Number of members travelling

The more the number of members who travel with you the higher would be the premium.

Higher the age higher would be the probability of suffering an illness. As such, premiums increase with age

● Trip duration

The longer the trip the higher would be the premium and vice-versa.

● Plan variant

There are different variants of the same plan. Each variant has different coverage benefits. The higher the variant the more inclusive the plan becomes and so the premiums are higher

● Sum insured

The higher the sum insured that you choose the higher would be the premium and vice-versa

You can use HDFC ERGO’s online calculators to find out the premium payable for the travel insurance plan.

17. Can you buy insurance after starting your trip?

No, you cannot buy travel insurance after starting your trip. The policy should be bought before the trip has commenced.

18. How do I choose a travel policy?

You should choose a travel insurance plan based on your travel needs. Here’s how –

● If you are travelling solo, choose an individual policy

● If you are travelling with your family, a family travel insurance plan would be suitable

● If a student is travelling for higher education, choose a student travel insurance plan

● You can also choose the plan based on your destination, like a Schengen travel plan, Asia travel plan, etc.

● If you travel frequently, choose an annual multi-trip plan

After you have shortlisted the type of plan that you want, compare the different policies in that category. There are different insurance companies offering travel insurance plans. Compare the available policies on the basis of the following –

● Coverage benefits

● Premium rates

● Ease of claim settlement

● International tie-ups in the country that you are travelling to

● Discounts, etc.

Choose a policy that offers the most inclusive coverage benefits at the most competitive rate of premium. Choose an optimal sum insured and buy the best plan for securing the trip.

1. What is not covered in travel insurance?

It’s always a good idea to know what the scope of your travel insurance is. When you buy the HDFC ERGO travel insurance policy, do keep in mind that the following incidents, losses, or events are not covered by our travel insurance. • Any sickness or health issues caused due to war or a breach of the law • Claims related to health, if you consume any intoxicants or banned substances • Expenses related to pre-existing diseases • Expenses related to cosmetic surgery or obesity treatment • Any hospitalization expenses or medical costs arising from self-inflicted injuries • Injuries sustained during adventure sports

1. Does travel insurance cover flight cancellation?

Yes, we will reimburse the Insured Person for non-refundable flight cancellation expenses incurred in the event of a flight cancellation.

2. What benefit will I get from this insurance in case of a medical emergency?

This benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains. Source : https://www.hdfcergo.com/docs/default-source/downloads/prospectus/travel/hdfc-ergo-explorer-p.pdf

4. What does my travel insurance cover?

Your HDFC ERGO travel insurance plan covers a wide range of medical emergencies, baggage-related emergencies and journey-related issues. In the medical emergency coverage, you can rest assured that your policy covers emergency medical and dental expenses, medical evacuation, hospital daily cash allowance, accidental death and even medical/body repatriation. As for baggage troubles, we have you covered in case of loss or delay of checked-in baggage and loss of personal documents. Flight delays, financial emergency assistance, hijacking, personal liability and hotel accommodation are also other benefits you’ll enjoy with our travel insurance plan. Source: HDFC ERGO site - ‘what’s covered’ section

3. Will pre-existing diseases be covered under the travel insurance policy?

No. The HDFC ERGO travel insurance policy does not cover any expenses related to the treatment of a pre existing disease or condition in the duration of your insured trip.

4. If I’m being advised to quarantine; are the accommodations or re-booking expenses covered?

Accommodation or re-booking expenses resulting from a Quarantine are not covered.

7. Are pre-existing ailments or diseases covered under travel insurance plans?

If you undergo treatment for pre-existing diseases during the travel insurance policy period, medical expenses for the same are not covered by the travel insurance policy. However, any medical condition that is diagnosed after purchasing the travel insurance policy will be covered. It is important to disclose all your health-related information at the time of purchasing the travel insurance policy to not face any claim rejections during the trip.

5. Which conditions are covered under medical coverage?

Medical benefit covers hospitalization, room rent, OPD treatment, and Road Ambulance costs. It also reimburses expenses incurred on Emergency Medical Evacuation, Medical Repatriation and Repatriation of mortal remains. Cashless facility is available for receiving treatments at the insurer’s network hospitals.

6. What is flight insurance?

Flight insurance is a part of travel insurance wherein you get covered for flight-related contingencies. Such contingencies include the following –

● Flight delay

● Accidental death due to a crash

● Flight cancellation

● Missed flight connection

7. What do I do if I fall sick when I am overseas?

When you fall sick when travelling contact our Toll free no +800 0825 0825 ( add the area code + ) or chargeable no +91 1204507250 / + 91 1206740895 or write to [email protected]

HDFC ERGO has partnered with Alliance Global Assist for its TPA services. Fill up the online claim form available at https://customersupport.hdfcergo.com/DigitalClaimForms/travel-insurance-claim-form.aspx?_ga=2.101256641.138509516.1653287509-1095414633.1644309447. Fill up a ROMIF form which is available at https://www.hdfcergo.com/docs/default-source/documents/downloads/claim-form/romf_form.pdf?sfvrsn=9fbbdf9a_2 .

Send the filled and signed claim form, ROMIF forms all the claim-related documents to the TPA at [email protected] . The TPA would process your claim request, look for the networked hospitals and assist you with the hospital list so that you can get the medical attention that you need.

1. How can I cancel my travel insurance policy?

Cancelling your travel insurance policy is quite easy. You can place your cancellation request via email or fax. Do make sure that the cancellation request reaches up within 14 days from the policy’s inception date. In case the policy is already in force, you’ll also need to submit a copy of all the 40 pages of your passport, as a proof that the journey has not been undertaken. Do note that cancellation charges of Rs. 250 will be applicable, and the balance amount paid will be refunded.

2. Can I extend my policy?

Currently we cannot extend the policy

3. How many times can we extend the policy?

You can extend your travel insurance policy once. The period of extension depends on the details of the trip. • Single Trip insurance plans can be extended up to 180 days. The total policy period including such extension should not exceed 360 days. AMT policies cannot be extended.

3. What is the maximum number of days for which I can take the travel insurance policy?

Generally, the total policy period, including extensions if any, should not exceed 360 days. However, the limits may vary for specific plans, as explained below. • Single Trip insurance plans can be extended up to 180 days. The total policy period including such extension should not exceed 360 days. AMT policies cannot be extended.-->

5. If I extend my travel insurance policy online, what premium is applicable?

The exact amount of the extension premium depends on many factors like the period of extension, the destination of the trip, the number of people covered, and other aspects of the cover. Simply put, it varies on a case-to-case basis. To extend your policy, you can visit this link. Alternatively, you could als send a mail to us at [email protected]. You will receive a response from our end, detailing the procedure and giving you the details of the additional premium to be paid.

4. Does HDFC ERGO's travel insurance policy come with a free-look period?

No. The HDFC ERGO travel insurance policy does not come with a free-look period.

5. Is there a grace period in travel insurance policy?

Grace period is not applicable to any cover for travel insurance policy.

6. What sum insured should be opted for while traveling to Schengen countries?

The Schengen countries require a minimum insurance of Euro 30,000. Insurance should be bought for an equivalent or higher amount.

7. Are there any sub-limits applicable for Schengen countries?

There are sub-limits applicable for availing travel insurance policy for Schengen countries. Please refer the policy documents to know that sub-limits.

8. If the customer returns home earlier than planned, can he/she get a partial refund on travel insurance?

No, the product does not offer any refund for early returns.

11. If I take a 2 month Travel Insurance Policy, would I be able to extend it later, as per my requirement?

Yes. HDFC ERGO allows you to extend your travel insurance cover by paying an additional premium as long as the existing plan remains unexpired and no claims have been raised. Extension can be taken for a maximum of 180 days. Also, Total period of cover (base policy + extension) should not exceed 360 days.

9. What are the charges for policy cancellation?

A cancellation charge of Rs 250 will be levied if you cancel your HDFC ERGO travel insurance, irrespective of whether you raise the request before or after your trip begins.

10. Do I get a grace period for my travel insurance policy?

No. There is no grace period applicable for a travel insurance policy.

11. What is my travel insurance coverage requirement sum insured while travelling to any of the Schengen countries?

Travel insurance with a minimum equivalent sum insured of 30,000 Euros needs to be availed to travel to Schengen countries. There are about 26 countries that come under the entire Schengen region for you to visit and it is compulsory to have travel medical insurance cover to visit these states. To get Schengen Visa, you need to produce your travel medical insurance document.

12. Is there a partial refund possible on a travel insurance plan, in case the trip is curtailed and the customer comes home earlier than initially planned?

No. Partial refund is not allowed under travel policy.

16. Can travel insurance plans be extended at a later point in time if there is a genuine requirement or an extension of stay?

Yes! The extension is provided on travel insurance policy based on certain conditions such as:

• There should have been no claim under the policy during the period

• The policy is not expired

• Insured needs to provide the declaration of good health

• The sum insured remains the same and no enhancement of the sum insured is allowed

• The total period of policy, base plus extension, does not exceed 360 days.

• The premium for extension needs to be paid before the extension is affected.

12. How is the travel insurance premium calculated?

The travel insurance premium is calculated considering the following details –

● Type of plan

● Destination

● Members to be covered

● Their age

● Plan variant and sum insured

You can use HDFC ERGO’s online premium calculators to find the premium of the policy that you want. Enter in your trip details and the premium would be calculated.

13. What is the document provided as proof of travel insurance?

The policy is issued by HDFC ERGO which serves as proof of travel insurance. The bond is mailed to you on your email ID. Moreover, a physical copy is also sent to your registered address. You can carry this copy as proof of coverage.

14. What are the modes of payment for buying a travel insurance policy?

HDFC ERGO allows both online as well as offline modes of paying for the travel insurance policy. The available modes include the following –

● Demand draft

● Credit card

● Debit card

● Net banking facility

● NEFT/RTGS/IMPS

1. Does a claim have to be lodged or made in a specific time frame from the time of the accident?

In case any of the insured events covered by the travel insurance policy occurs, it’s best to give us a written notice of the incident as soon as practicable. In any case, the written notice must be given within 30 days of such an event occurring. In case the insured event is the death of a person covered by the plan, the notice must be given immediately.

2. How long does it take to process a travel insurance claim?

We understand that during any emergency financial distress, the sooner we can assist you, the better you’ll be able to get through the crisis. That’s why we settle your claims in record time. While the exact length of the period varies from case to case, we ensure that your claims are quickly settled upon the receipt of the original documents.

3. What kind of documentation is required while making a travel insurance claim?

The kind of documentation depends greatly on the nature of the insured incident that has occured. In case of any loss covered by the travel policy, the following proof must be submitted. 1. The Policy Number 2. The preliminary medical report describing the nature and extent of all injuries or illnesses, and providing a precise diagnosis 3. All invoices, bills, prescriptions, hospital certificates which will permit us to accurately determine the total amount of medical expenses (if applicable) incurred 4. In the case another party was involved (like in the case of a car collision), the names, contact details and if possible, the insurance details of the other party 5. In the case of death, an official death certificate, succession certificate pursuant to the Indian Succession Act 1925, as amended, and any other legal documents establishing the identity of any and all beneficiaries 6. Proof of age, where applicable 7. Any such other information we may require to handle the claim In case of any accident covered by the travel policy, the following proof must be submitted. 1. Detailed circumstances of the accident and the names of witnesses, if any 2. Any police reports concerning the accident 3. The date a physician was seen consulted for the injury 4. The contact details of that physician In case of any sickness covered by the travel policy, the following proof must be submitted. 1. The date on which the symptoms of the sickness began 2. The date on which a physician was consulted for the sickness 3. The contact details of that physician

4. What if I lose my baggage? How do I make a claim in such a case?

Losing your baggage during your trip can be inconvenient, because you may need to replace a lot of essentials and spend out of pocket. With a travel insurance policy, you can cushion the financial impact of such a loss. If you lose your baggage during the period the insurance cover is valid, you can register a claim by calling our 24-hour helpline centre and quote the policyholder’s name, the policy number, the insurance company, and the passport number. This needs to be done within 24 hours. Here are our contact details. Landline:+ 91 - 120 - 4507250 (Chargeable) Fax: + 91 - 120 - 6691600 Email: [email protected] Toll free no.+ 800 08250825 You can also visit this blog for more information.

5. How do I claim on my travel insurance?

In case any loss or insured event covered by your travel policy occurs, you can register a claim by calling our 24-hour helpline centre and quote the policyholder’s name, the policy number, the insurance company, and the passport number. This needs to be done within 24 hours. Here are our contact details. Landline:+ 91 - 120 - 4507250 (Chargeable) Fax: + 91 - 120 - 6691600 Email: [email protected] Toll free no.+ 800 08250825

6. Will I be able to extend the travel insurance policy if I already have an ongoing claim?

No. You cannot extend the existing HDFC ERGO travel insurance policy if you have already raised a claim on it.

6. How many days does it take to settle the claim?

The claim is settled in three working days from the date of receiving the last documents for reimbursement. The duration for settling the claim for cashless is as per the invoices submitted by the hospital (approx 8 to 12 weeks).

6. What would be the documents required to file a travel insurance claim for COVID-19?

Documents required for filing a travel insurance claim are the same as Emergency Medical Expenses, which will only cover expenses for patients who test positive for COVID-19. It will not cover expenses for home quarantine or quarantine in the hotel.

1. Can I renew my travel insurance policy online?

only Annual multi-trip policy can be renewed. Single trip policies cannot be renewed.

2. How do I check the status of my HDFC ERGO travel insurance renewal?

Only AMT policies can be renewed. Single trip policies cannot be renewed. Extension of single trip policies can be done online.

3. What are the Details and Documentation of the Travel Insurance Extension?

The details and documentation needed for travel insurance cover/extension are your basic details like name, age, journey details, and start and end day of your travel. You can get travel insurance online by filling out these basic details and paying.

4. Can I extend my travel insurance policy when travelling abroad?

If you are already covered under HDFC ERGO’s travel insurance cover, you can extend your travel insurance only if the policy has not expired. Ideally, if you need to extend your travel insurance, you can do that in India before your journey begins.

Here are a few more points you should keep in mind for extending your travel insurance:

• There should be no claim availed on the original policy.

5. How to Extend Your Travel Insurance Policy?

You can extend your travel insurance policy online by login here , or you can call our helpline no to extend travel insurance.

1. How To Get Travel Insurance With Covid-19 Cover?

HDFC ERGO’s Travel Insurance covers coronavirus hospitalisation. You don’t have to buy separate insurance for COVID-19. Your travel medical insurance will give you cover for the same. You can buy travel insurance online by visiting our website or calling our helpline number 022 6242 6242.

Following are some of the features covered for COVID-19 in travel insurance -

● Hospital expenses if one gets COVID-19 while covered under overseas travel insurance.

● Cashless treatment in network hospitals.

● Reimbursements of medical expenses.

● Daily cash allowance during hospitalisation.

● Expenses related to transferring mortal remains to home country in case of death due to COVID-19

2. When should I buy Covid-19 travel insurance?

Ideally, it would be best if you buy a travel insurance plan like HDFC ERGO's International Travel plan , which covers coronavirus hospitalisation before embarking on your journey. Your travel insurance covers you from the first day of your journey till you return to India. However, it might not be possible to buy one while you are overseas and reap its benefits. So, make it a point to buy your travel medical insurance ahead of time. To avoid last minute hassles buy your insurance as soon as you book tickets for your destination.

3. Does travel insurance cover a positive PCR test?

No, travel insurance doesn’t cover a Positive PCR Test if detected before your journey. However, hospital expenses, medical reimbursements and cashless treatment in network hospitals are provided as mentioned under your travel insurance policy if you get infected with coronavirus while travelling.

4. Can you get a refund on flights if you have COVID?

No, flight cancellations due to COVID-19 infection are not covered under HDFC ERGO’s International Travel Plan.

5. How much does COVID-19 travel insurance cost?

While buying Travel Insurance online, you can opt for Individual Travel Insurance , Family Travel Insurance or Student Travel Insurance , depending on your need and how you plan to travel. Depending on the sum you want to insure, you can also choose from our Gold, Silver, Platinum, and Titanium plans. However, you don’t have to pay extra for COVID-19 coverage. You will be covered for the same in any of the travel plans you choose.

6. Can I get travel insurance with pre-existing conditions and COVID-19coverage?

HDFC ERGO’s travel insurance policy doesn’t cover pre-existing conditions during your stay, even if you are covered under International travel insurance. However, you will be covered for COVID-19 hospitalisation during your insured period.

7. Does travel insurance cover quarantine?

No, HDFC ERGO’s travel insurance plan doesn’t cover quarantine expenses.

8. How can I claim for COVID-19 expenses through my travel insurance?

We will help you settle your claims for COVID-19 hospitalisation and expenses as soon as possible. The claim is settled within three working days after receiving all the valid documents related to your hospitalisation and medical expenses for reimbursement. The duration for settling the claim for cashless is as per the invoices submitted by the hospital (approx 8 to 12 weeks).The claim will cover expenses for the patients who test positive for COVID-19. However, it doesn’t cover expenses for home quarantine or quarantine in the hotel.

9. Does travel insurance cover missed flights due to Covid-19 Testing?

No, HDFC ERGO’s travel insurance doesn’t cover missed flights or flight cancellations due to COVID-19 or COVID-19 testing.

10. How long does it take to process the claim?

While we will try to help you with your claims at the earliest, it isn't easy to define the length of the claim period as it will depend from case to case. Therefore, we try to settle the claims in record time upon receipt of the original invoices.

11.Can the period of travel insurance be extended?

Yes, the travel insurance period can be extended only once, subject to the following conditions.

• The original policy period has not expired.

• There is no claim on the original policy.

• The sum insured will not be enhanced upon extending the plan.

• You will need to provide a declaration of good health.

• The extension premium has to be paid before the actual extension is affected. However, note that you might not be able to extend your travel insurance plan if you have already placed a claim on your existing HDFC ERGO travel insurance policy.

10. Who is a Third Party Administrator or TPA in Travel Insurance?

A third-party administrator provides operational services such as claims processing and other benefits as mentioned in your policy under contract with HDFC ERGO and can assist you in times of emergency when on international shores.

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Top Travel Insurances for India You Should Know in 2024

Byron Mühlberg

Monito's Managing Editor, Byron has spent several years writing extensively about financial- and migration-related topics.

Links on this page, including products and brands featured on ‘Sponsored’ content, may earn us an affiliate commission. This does not affect the opinions and recommendations of our editors.

Known for its explosion of rich culture, colour, and food, India is an attractive travel destination for travelers on a budget. Whether you're travelling to India to experience the country's cultural heritage, visit its iconic landmarks and natural attractions, take part in adventure sports, or enjoy delicious and diverse cuisine, you will find India an excellent travel destination! Although travelling to India can be an accessible holiday destination for many people, and although healthcare costs in the country aren't outrageously expensive, it's still a very good idea to arrive there with travel insurance anway, as you'll want the highest-quality healthcare you can find.

Luckily, online global insurances (known as 'insurtechs') specialize in cost-savvy travel insurance to India and other countries worldwide. Our list below explores the four services we believe provide the best deals for young travellers, adventurers, everyday holidaymakers looking for comprehensive but affordable coverage, and longer-term expats.

India Insurance Profile

Here are a few of the many factors influencing the scope and cost of travel insurances for India:

Best Travel Insurances for India

• 01. Should I get travel insurance for India? scroll down
• 02. Best medical coverage: VisitorsCoverage scroll down
• 03. Best trip insurance: Insured Nomads scroll down
• 04. Best mix for youth and digitial nomads: SafetyWing scroll down
• 05. FAQ about travel insurance to India scroll down

Heading to India soon? Don't forget to check the following list before you travel:

• 💳 Eager to dodge high FX fees? See our picks for the best travel cards in 2024.
• 🛂 Need a visa? Let iVisa take care of it for you.
• ✈ Looking for flights? Compare on Skyscanner !
• 💬 Want to learn the local language? Babbel and italki are two excellent apps to think about.
• 💻 Want a VPN? ExpressVPN is the market leader for anonymous and secure browsing.

Do I Need Travel Insurance for India?

No, there's no legal requirement to take out travel insurance for India.

However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel — whether to India or anywhere else. For what's usually an affordable cost , taking out travel insurance will mitigate most or all of the risk of financial damage if you run into any unexpected troubles during your trip abroad. Take a look at the top five reasons to get travel insurance to learn more.

With that said, here are the top three travel insurances for India:

VisitorsCoverage: Best Medical Coverage

Among the internet's best-known insurance platforms,  VisitorsCoverage  is a pioneering Silicon Valley insurtech company that offers comprehensive medical coverage for travellers going abroad to India. It lets you choose between various plans tailored to meet the specific needs of your trip to India, including coverage for medical emergencies, trip cancellations, and travel disruptions. With its easy online purchase process and 24/7 live chat support, VisitorsCoverage is a reliable and convenient option if you want good value and peace of mind while travelling abroad.

• Coverage 9.0
• Quality of Service 9.0
• Pricing 7.6
• Credibility 9.5

VisitorsCoverage offers a large variety of policies and depending on your needs and preferences, you'll need to compare and explore their full catalogue of plans for yourself. However, we've chosen a few highlights for their travel insurance for India:

• Policy names: Varies
• Medical coverage: Very good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, mental health-related conditions, and many others.
• Trip coverage: Excellent - but only available for US residents.
• Customer support: FAQ, live chat and phone support
• Pricing range: USD 25 to USD 150 /traveller /month
• Insurance underwriter: Lloyd's, Petersen, and others
• Best for: Value for money and overall medical coverage

Insured Nomads: Best Trip Coverage

Insured Nomads is another very good travel insurance option, especially if you're adventurous or frequently on the go and are looking for solid trip insurance with some coverage for medical incidents too. With Insured Nomads, you can choose the level of protection that best suits your needs and enjoy a wide range of benefits, including 24/7 assistance, coverage for risky activities and adventure sports, and the ability to add or remove coverage as needed. In addition, Insured Nomads has a reputation for providing fast and efficient claims service, making it an excellent choice if you want peace of mind while exploring the world.

• Coverage 7.8
• Quality of Service 8.5
• Pricing 7.4
• Credibility 8.8

Insured Nomads offers three travel insurance policies depending on your needs and preferences. We go through them below:

• Policy names: World Explorer, World Explorer Multi, World Explorer Guardian
• Medical coverage: Good. Includes coverage for doctor and hospital visits, pre-existing conditions, repatriation, and many others.
• Trip coverage: Good. Includes coverage for trip cancellation and interruption, lost or stolen luggage (with limits), adventure and sports activities, and many others.
• Customer support: FAQ, live chat, phone support
• Pricing range: USD 80 to USD 420 /traveller /month
• Insurance underwriter: David Shield Insurance Company Ltd.
• Best for: Adventure seekers wanting comprehensive trip insurance

SafetyWing: Best Combination For Youth

SafetyWing is a good insurance option for younger travellers or digital nomads because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind knowing you're covered for unexpected medical expenses, trip cancellations, lost or stolen luggage, and more. In addition, SafetyWing's user-friendly website lets you manage your policy, file a claim, and access 24/7 assistance from anywhere in the world, and, unlike VisitorsCoverage, you can even purchase a policy retroactively (e.g. during a holiday)!

• Coverage 7.0
• Quality of Service 8.0
• Pricing 6.3
• Credibility 7.3

SafetyWing offers two travel insurance policies depending on your needs and preferences, which we've highlighted below:

• Policy names: Nomad Insurance, Remote Health
• Medical coverage: Decent. Includes coverage for doctor and hospital visits, repatriation, and many others.
• Trip coverage: Decent. Includes attractive coverage for lost or stolen belongings, adventure and sports activities, transport cancellation, and many others.
• Pricing range: USD 45 to USD 160 /traveller /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travellers

How Do They Compare?

Interested to see how VisitorsCoverage, SafetyWing, and Insured Nomads compare as travel insurances to India? Take a look at the side-by-side chart below:

Data correct as of 4/1/2024

FAQ About Travel Insurance to India

Travel insurance typically covers trip cancellation, trip interruption, lost or stolen luggage, travel delay, and emergency evacuation. Some travel insurance packages also cover medical-related incidents too. However, remember that the exact coverage depends on the insurance policy.

No, you'll not be required to take out travel insurance for India. However, we strongly encourage you to do so anyway, because the cost of healthcare in India can be high, and taking out travel insurance will mitigate some or all of the risk of covering those costs yourself if you need medical attention during your stay.

Yes, medical travel insurance is almost always worth it, and we recommend taking out travel insurance whenever visiting a foreign country. Taking out travel insurance will mitigate some or all of the risk of covering those costs yourself in case you need medical attention during your stay. In general, we recommend VisitorsCoverage to travellers worldwide because it offers excellent value for money and well-rounded travel and medical benefits in its large catalogue of plans.

Health insurance doesn't cover normal holiday expenses, such as coverage for missed flights and hotels, but in case you run into medical trouble while abroad, it may cover some or all of your doctor or hospital expenses while overseas. However, not all health insurance providers and plans offer coverage to customers while abroad, and that's why it's generally best to take out travel insurance whenever you travel.

Although there's overlap, health and travel insurance are not exactly the same. Health insurance covers some or all of the cost of medical expenses (e.g. emergency treatment, doctor's visits, etc.) while travel insurance covers non-medical costs that are commonly associated with travelling (e.g. coverage for missed flights, stolen or lost personal belongings, etc.).

The cost of travel insurance depends on several factors, such as the length of the trip, the destination, the age of the traveller, and the level of coverage desired. On average, travel insurance can cost anywhere between 3% and 10% of the total cost of the trip.

A single-trip travel insurance policy covers a specific trip, while an annual one covers multiple trips taken within a one-year period. An annual policy may be more cost-effective for frequent travellers.

Yes, you can sometimes purchase travel insurance after starting your trip, but it is best to buy it before the trip begins to ensure maximum coverage. If you do need to buy insurance after you've started your trip, we recommend VisitorsCoverage , which offers a wide catalogue of online trip and medical insurance policies, most of which can be booked with immediate effect. Check out our guide to buying travel insurance late to learn more.

Yes, you can most certainly purchase travel insurance for a trip that has already been booked, although we recommend purchasing insurance as soon as possible aftwerwards to ensure all coverage is in place before your journey begins. Check out our guide to buying travel insurance late to learn more.

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Worry less, wander more with Single Trip Insurance

Prices starting at just ₹2,094/yr, millions of indians love us because, cashless hospitalisation *.

Worldwide cashless medical facility on your international trip

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Travel insurance

When you purchase travel insurance online, the insurer protects you financially from all the unpredicted losses that you may incur while on an international trip. It covers incidents such as loss of baggage and passport, delayed or missed flights, medical emergency, etc.

What is single trip travel insurance?

Single trip travel insurance secures your entire single trip to another country. The benefits of this policy are valid until you complete your trip and return home. Even if you are visiting multiple destinations in one trip, the travel insurance will cover the same.

Features of ICICI Lombard's travel insurance

Medical cover.

One of the most appealing features of ICICI Lombard travel insurance is that it covers emergency medical evacuation, hospitalisation, COVID-19-related treatment charges and personal accident.

Emergency cash advance

Losing your wallet on your overseas trip can be a nightmare. When you buy travel insurance online from ICICI Lombard, we have you covered with emergency cash assistance in case all your cash is stolen.

Missed flight connection

Have you missed your connecting flight due to circumstances beyond your control? If yes, ICICI Lombard’s international travel insurance will compensate for the loss.

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.

4 reasons to buy ICICI Lombard travel insurance

Cashless medical facility.

No need to worry about hefty medical expenses if you fall sick on your trip. Our travel insurance provides you with a cashless medical facility on foreign soil.

No medical test

We offer instant travel insurance without the need to undergo a medical check-up. Failing to get a travel insurance policy because of a delayed medical report is a thing of past with us.

Lost baggage cover

It is common to lose to your baggage at the airport. Hence, our international travel insurance policy comes with a baggage loss cover that compensates you for such a loss up.

When you buy travel insurance online from ICICI Lombard, we will reimburse the flight ticket if you miss your connecting flight because your previous flight is delayed by more than 3 hours.

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.

7 reasons to buy ICICI Lombard travel insurance

What’s covered under icici lombard's travel insurance plan, overseas hospitalisation.

If you sustain an injury or contract a disease or an illness on your trip, our travel insurance policy will reimburse your hospitalisation expenses up to the sum insured specified in your policy.

Dental treatment

Our travel insurance policy will cover the costs of dental treatment for your natural teeth that arise as a result of an injury or illness while on the trip.

Loss of checked-in baggage

Under our travel insurance, we will compensate you if your checked-in baggage is lost while in custody of the airline carrier during your trip.

Delayed baggage

In case your checked-in baggage is for more than 6 hours, our travel insurance policy will pay for the incidental expenses incurred by you.

Loss of passport

If you lose your passport, then our travel insurance policy will pay for the costs of getting the emergency certificate required to continue your return journey.

Partial or permanent disablement or death

While on a trip, if the insured suffers an injury, partial or permanent disability, or death as a result of a tragic incident, we will compensate them under our travel insurance.

Personal liability

While on a trip, if a third party sustains property damage or suffers injury as a result of an accident involving you, we will compensate them under our travel insurance policy.

Emergency hotel extension

If you have to extend your trip due to an emergency, our travel insurance policy will reimburse your extended lodging and boarding expenses.

Our travel insurance coverage will not apply if you sustain an injury in adventure sports or by engaging in illegal activities.

Our international travel insurance does not cover venereal diseases, stress and other similar illnesses.

Our travel insurance does not cover any pre-existing illnesses.

Our travel insurance policy will cover claims due to the loss of valuables.

Policy documents:

Why should you buy travel insurance online.

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-

When you are confused about various travel plans available with us, you can go online and compare them to pick the best travel policy for you.

If you forget to get your trip covered with a single trip insurance cover buying it online is real quick and easy thing to do before starting your trip.

Buying travel insurance policy online means getting a contactless policy issued to your mailbox without you needing to visit us.

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

After a hectic work schedule, you might want to take a leap from work and go on a vacation, either alone or with your family. To ensure that you are protected against any unfortunate events that may occur while on a vacation abroad, you must purchase travel insurance. However, before making a purchase decision, it is important to review the insurer's eligibility criteria. Check the policy's minimum and maximum entry age, as well as the number of family members you can include in your travel insurance.

How to buy a travel insurance policy online?

Are you planning to travel to your dream destination in Europe? If yes, purchase travel insurance online for Europe from ICICI Lombard. To know the buying process, follow the steps outlined below.

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

Pick the best travel insurance that suits your needs.

Pay online using our secure payment gateway.

Get instant single trip travel insurance.

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.

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 single trip travel insurance policy

When you purchase travel insurance from us, you must first inform us at the time of making a claim. Following your intimation, we will ask you to submit a few supporting documents related to your claim. On the successful verification of your papers, we will settle the claim to your account.

Multi-trip vs. single trip travel insurance

When planning a trip abroad, the insurer gives you an option to choose between a single trip policy and a multi-trip policy. Both these policies have their own set of benefits and are very different from one another. If you are confused about choosing between these two, refer to the table below:

How to extend your single trip travel insurance policy?

If you have begun your trip without a single trip medical travel insurance, you cannot buy the same overseas. However, if you require an extension of your travel insurance term due to an emergency, you can do so by contacting your insurer. If you have a single trip travel insurance policy with us, you can request an extension by calling 1800 2666 or writing to us at [email protected] .

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.

Countries that need an international travel insurance policy

• Around 34* countries have made it mandatory for travellers to buy travel insurance online before visiting them.
• If you are planning to explore the US, you must first buy travel insurance online before booking your flight tickets.
• If you are planning to visit the Schengen countries, bear in mind that to visit the 26** Schengen countries in Central Europe you must first purchase the travel insurance online.
• Some of the other countries that have made it essential to purchase travel insurance online include Qatar, Cuba, the UAE, Ecuador, Russia, Turkey and Antarctica.

Frequently asked questions about single trip travel insurance

Does single trip insurance cover multiple destinations, will my single trip travel insurance cover trip cancellation, does single trip travel insurance cover covid-19 quarantine, what is the maximum trip length with a single trip 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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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 .

India is a vast and diverse country. Each region offers a vibrant culture and mesmerizing architecture. This enthralling country also comes with a unique set of risks, which means that buying travel insurance for India should be a top priority before departure.

Whether you’re taking a luxury train journey through a wild jungle or camel trekking in the Thar Desert, comprehensive coverage helps you manage expenses in case of emergencies or unexpected delays.

Finding the right coverage for India travel can be a complicated process. 

This guide covers critical information to help you pick an adequate policy, including:

• An overview of India travel requirements
• Typical travel insurance coverage options for India
• The cost of travel insurance for a trip to India

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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Your Quote Details

Key Benefits:

• € Medical Sum Insured - 30,000
• € Personal Accident - 10,000
• Compassionate visit

Tax Excluded

• Medical Sum Insured - $500,000
• Personal Accident - $30,000
• Personal Liability - $250,000
• Medical Sum Insured - $250,000
• Personal Accident - $25,000
• Personal Liability - $200,000
• Medical Sum Insured - $100,000
• Personal Accident - $20,000
• Personal Liability - $100,000
• Medical Sum Insured - $30,000
• Covers Loss of Passport & checked baggage
• Covers trip delay
• Medical Sum Insured - $25,000
• Covers loss of passport & checked baggage
• Covers Loss of passport & checked baggage
• Daily Hospitalisation Allowance
• Medical Sum Insured - $50,000
• Personal Accident - $15,000
• Medical Sum Insured - €30,000
• Personal Accident - €10,000
• Medical Sum Insured - €50,000
• Personal Accident - €15,000
• Personal Liability - $50,000
• Personal Liability - $150,000 & more ...
• Personal Liability - $100,000 & more ...
• 2 way Compassionate visit

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International Travel Insurance

Switch to Reliance General Insurance. Trusted by 3 Crore+ Indians

• No Paperwork
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• 26 Countries 1 Policy
• Cashless Hospitalisation Worldwide

• Plan Details
• Manage Travel Claim
• Download Resources

What is an International Travel Insurance Policy?

An international travel insurance policy is your trustworthy, reliable and mandatory companion for your trip abroad. Imagine this: You are travelling to a foreign country for leisure or personal business or studies. You don't want anything to ruin your trip and taint your happy memories. But unexpected things happen. You may fall sick or lose your passport or miss your flight! An international travel health insurance policy helps you deal with financial stress and worries cau​sed by such situations. It protects you in unexpected and untimely situations in an unfamiliar city with language barriers. An international travel medical insurance plan covers flight delays, lost or delayed baggage, lost passport, trip interruptions, medical expenses and trip cancellations.

Reliance General Insurance is here to ensure you have a wonderful stay and worry-free travel experience. Our international travel insurance plans will help you deal with any baggage or trip or medical contingencies. Be it a delay of checked-in baggage, lost baggage, cancelled flight, delayed flight, missed connecting flights, passport loss, emergency hospitalisation, trip interruption or trip cancellation, we will be there for you.

Why Do You Need Travel Insurance When Going Abroad?

Travel insurance is an insurance policy that provides financial protection to travellers during their international stay or trips. Imagine you’re all set to enjoy a vacation at an exotic destination and unexpected events disrupt your travel plans: You miss your flight or have to delay your trip due to weather conditions or get hospitalised during your stay abroad due to some medical emergency. A travel insurance plan ensures that none of the trip or medical contingencies cause any financial burden to you. It covers you from the moment you reach the airport till you’re safely back to India from your trip.

Here are some key reasons why buying a travel insurance policy is important when going abroad:

Mandatory by Law

Some countries have made it mandatory for travellers to have a valid travel health insurance plan before entering their borders. For example, it is a prerequisite to purchase medical travel insurance to enter countries like Russia, Singapore, the UAE, Romania and Cuba regardless of the purpose of your visit. The main reason behind making travel insurance mandatory in some countries is to financially secure foreign visitors from unexpected events like passport loss or theft, lost or misplaced luggage, trip delay or cancellations, medical emergencies or accidents and COVID-19 like situations.

Visa Requirements

While there are countries that offer visa on arrival to India, many countries require you to buy a travel insurance policy to initiate the visa application process. For example, it is compulsory to have travel medical insurance with a minimum medical coverage of EUR 30,000 to get a Schengen Visa. This will allow you freely in any of the Schengen countries, including Switzerland, Spain, Italy, France, Germany, Portugal and Denmark. Other countries where travel health insurance is mandatory for the visa process include Turkey, Czech Republic, Ecuador, UAE, etc.

Cost of Medical Treatments

Medical expenses can be quite high in foreign countries than in India. The potentially high cost of medical treatments in case of unexpected illness or injury or accidental dental issues, not only increases your financial burden but also leaves you feeling helpless during your international vacation. An international travel medical insurance plan acts as a shield against unforeseen medical bills by offering cover for emergency medical hospitalisation, the cost of transporting the nearest hospital or back to India, and dental treatment due to an accident on your trip.

Coverages Offered

Besides offering international medical coverage, international travel insurance policies offer coverage for various baggage and trip-related contingencies. You lose your checked-in baggage or someone mistakenly takes your luggage or the airline delays or misdirects your checked-in baggage. Similarly, you may miss your connecting flight to your final travel destination or your trip may get delayed or interrupted or cancelled because of conditions that are beyond your control. All of these situations are covered under our plan.

What are the Different Types of Overseas Travel Insurance Plan?

Reliance General Insurance offers country-specific travel plans with sum insured ranging from USD 50,000 to USD 500,000 to cater to the diverse needs of globetrotters. We have overseas travel insurance plans that cover the top travel destinations across the globe, including the US, Canada, the UK, Greece, Austria, Egypt, Russia, Hong Kong, Japan and China.  Reliance Schengen Travel Insurance is popular among travellers who love to explore Schengen countries like Switzerland, Spain, Italy, France, Germany, Portugal and Denmark. It has customised plans to offer the necessary medical coverage to comply with Schengen Visa requirements. On the other hand, Reliance Asia Travel Insurance has special plans to provide cover​age against various untoward events that may disturb your relaxing and exciting stay in beautiful Asian countries like Singapore, Thailand and South Korea.

Reliance Travel Care Policy also offers personalised plans for different combinations like individual, family, senior citizen and student. We have an international travel insurance plan for individuals who love to travel solo. Our international family travel insurance plan is perfect for people who love taking family trips abroad while our annual multi-trip travel insurance plan is a must for frequent business travellers. Meanwhile, Reliance Senior Citizen Travel Insurance Plan is specially curated for travellers aged between 61-70 years who want to explore the world. This is also one of the most preferred plans by Non-Resident Indians (NRIs) who want their parents to visit frequently or have extended stays with them.

Additionally, Reliance Student Travel Insurance is best for students who want to study at reputed universities and institutions abroad. This international student travel insurance plan not only offers basic covers for lost passport, total loss of checked-in baggage and personal liability but also includes unique coverages like bail bond, study interruption cover and sponsor protection cover. It is a special international travel insurance plan for students that can be easily customised to meet the different requirements of universities in top countries like Germany, Australia, the UK, the US and Canada.

Benefits of Reliance International Travel Insurance Plan

Our Reliance Travel Care Policy has everything you need to ensure your safety and comfort during your international trip. Here are different covers you can enjoy when you buy our international travel insurance policy online:

Baggage Loss or Delays Compensation

In the situation of your checked-in baggage delay, our international travel insurance plan will provide up to USD 100 to help you buy necessary personal items like clothes, toiletries and medication. Additionally, in case of loss of Baggage, our plan will compensate you up to USD 1500** for total loss of checked-in luggage caused by your airline.

Passport Loss or Theft Cover

Losing your passport or becoming a victim of passport theft can be a dreadful experience. Our international travel insurance policy offers cover for passport loss to help you get reimbursement up to USD 300 for expenses incurred to get a new passport or duplicate passport.

Medical Emergency Cover

You may fall sick or get into an accident but with our international travel health insurance you can cover most medical expenses, including medical treatment, emergency medical hospitalisation and transportation, up to USD 500,000*. It also provides a cover of up to USD 500 for any accidental dental treatment needed during your trip.

Trip Cancellations and Interruptions Cover

In case you have to cancel or interrupt your trip due to unforeseen illness or inclement weather conditions or terrorist incidents, our international travel insurance policy will provide reimbursement of up to USD 600** for the forfeited, non-refundable prepaid payments made before the departure date.

Missed Connecting Flights

Our overseas travel insurance plan offers a cover of up to USD 500** in case you miss the connecting flight to your final destination. This will help to deal with your losses or additional transportation expenses without letting this situation dampen your holiday plans.​

Personal Liability Cover

Our international travel medical insurance plan covers you for any third-party bodily injury or property damage up to USD 250,000**. This cover is helpful especially when you can’t control certain circumstances around you. For example, you may get involved in an accident during your international trip. and end up accidentally hurting another person or damaging their property.

• Hijack Distress Allowance

In the unlikely event of a flight hijack, Reliance Travel Care Policy offers a distress allowance of up to USD 125** per day (maximum 7 days) to help you deal with the trauma.

Compassionate Visit

No one can replace your loved ones, especially when you need them during medical emergencies on your international trip. Our international travel insurance plan offers a cover for compassionate visit wherein the travel and accommodation expenses of one immediate family member are covered. This cover comes in handy when you’re hospitalised due to an illness or injury and cannot return to India without any companion.

Features of Reliance International Travel Insurance Policy

Reliance Travel Care Policy offers different plans for different needs. The Standard Plan provides basic coverages for medical expenses, accidental dental treatment, passport loss, delay and total loss of checked-in baggage, personal accident, personal liability and compassionate visit. Meanwhile, the Silver Plan, Gold Plan and Platinum Plan offer comprehensive coverage by enhancing the sum insured for the basic covers offered under the Standard Plan along with additional covers like trip delays, trip cancellations or interruptions, missed connecting flights and more.

Note: The above table provides information for Reliance Travel Care Policy – Individual Plans. The covers mentioned above are subject to deductibles. Please read policy wording, brochure and prospectus for more information.

What’s Covered Under Reliance International Travel Insurance Policy?

Our Reliance Travel Care Policy is your travel guardian for all of your international trips. Be it medical expenses, lost baggage or trip delays, we cover it all. To understand your travel insurance coverage, have a look at what’s covered under our international travel insurance policy:

Medical Emergencies

Medical expenses.

Our international travel medical insurance policy covers the medical expenses up to USD 500,000** that you have incurred during the policy period for availing emergency medical treatment abroad for any illness or accident or injury that has been advised by a doctor. These treatments can include in-patient treatments, X-Ray, Radiotherapy, etc.

Transportation Costs

Our international travel health insurance plan covers the expenses for transportation to the nearest hospital or back to India for a medical treatment that’s been necessitated by a doctor. It also covers the additional costs for an accompanying person in case you need to be accompanied for the medically necessary treatment.

Dental Treatment

Our overseas travel insurance plan also covers expenses related to the acute anesthetic treatment of a natural tooth or teeth during the trip. Suppose an accident during your trip damages your teeth and the doctor recommends immediate dental treatment that cannot wait until you get back to India, the costs for the same are covered up to USD 500.

Daily Allowance In Case of Hospitalisation

In case you need emergency hospitalisation for more than two consecutive days due to an illness or injury during the trip, then our international travel insurance plan offers a daily allowance of up to USD 25 per day** (maximum 7 days). This benefit can be claimed only once during the policy period.

Personal Accident

Our foreign travel insurance policy offers compensation of up to USD 30,000** in case of death or disablement due to an injury that occurred during a trip.

Personal Liability

We know that you’re always careful but unintentional accidents can lead to physical injuries or material damage to third-parties. Our international travel insurance plan offers Personal Liability cover of up to USD 250,000** that takes care of your legal expenses and the compensation that you have to pay to the third-party as per the court of law up.

Repatriation of Mortal Remains

In the unfortunate event of your death due to an insurable event while on the trip, our international travel insurance plan covers the expenses related to transporting the mortal remains back to India or expenses for a local burial or cremation in the country where the death occurred. The expenses are covered up to the defined limits.

Baggage Covers

Delay of checked-in baggage.

Our international travel insurance plan provides baggage cover if your luggage is delayed by the airline or misdirected for more than 12 hours from the actual arrival date of the common carrier. Specifically, our Delay of Checked-in Baggage cover will provide reimbursement of up to USD 100 for expenses you incurred purchasing necessary clothes, toiletries and medication.

Total Loss of Checked-In Baggage

If your airline loses your baggage, then our international travel insurance policy will compensate you for the total loss of your checked-in baggage. The compensation is offered as per the market value of the total loss of checked-in baggage caused by a common carrier up to USD 1500**.

Journey Covers

Loss of passport.

Our Reliance Travel Care Policy offers reimbursement of up to USD 300 to cover all the expenses in connection with obtaining a duplicate or fresh passport that was lost during your international trip. In case of passport theft, you’ll get reimbursed for the cost of issuing a new passport if you report the theft to the police within 24 hours.

Missed Connections

Our international travel insurance plan provides a reimbursement of up to USD 500** if you miss a connecting flight due to inclement weather causing cancellation or a delay of the scheduled flights. It also covers any additional transportation costs to join the trip for non-refundable unused portion of prepaid expenses.

Get reimbursed for any reasonable additional expenses incurred because of a trip delay for more than 12 hours due to unforeseen reasons such as inclement weather conditions causing delay or a loss of passport or travel documents or unforeseen illness or injury of immediate family member. The reimbursement offered under this benefit is up to USD 60 per day** (maximum 6 days).

Trip Cancellation and Interruption

If you’re forced to cancel your trip before the scheduled departure date or trips have been interrupted because of an unfortunate and unforeseen illness, death of your immediate family or inclement weather conditions, then we’ll reimburse you for the forfeited, non-refundable prepaid payments made prior to the departure date up to USD 600**.

• Financial Emergency Assistance

In case of substantial loss of travel funds while travelling because of theft, mugging, robbery or dacoity wherein there is a detrimental effect on the travel plans. then we’ll provide financial emergency assistance of up to USD 300** under our overseas travel insurance policy. This will help you continue your trip and make any necessary arrangements.

If you’re hospitalised for more than seven consecutive days during your trip, you cannot return to India and don’t have any companion with you, then our international travel insurance plan will ensure that you’re not left alone. Our Compassionate Visit benefit will cover will the travelling and accommodation costs of your immediate family member up to the limits specified in the schedule.

Note: The coverages and sum insured will vary as per the plan opted. Please read the policy wordings for complete details on coverages.

What’s Not Covered Under Reliance International Travel Insurance Policy?

As much as we would like to cover all possible risks, certain situations are beyond the protection of our plans. We like to maintain complete transparency with our customers so here's what we don't cover in our international travel insurance policy:

Medical Exclusions:

Our international travel insurance plan does not cover any pre-existing diseases and expenses incurred due to self-inflicting injuries or suicide, mental disorders, alcohol/drug abuse and sexually transmitted diseases. It also does not cover the expenses incurred if you’re travelling against the advice of a physician.

Baggage Exclusions

Our international travel insurance policy does not cover any partial loss or damage to your luggage. Loss of hand baggage is also not covered. Additionally, losses arising due to delays and confiscation by the customs authorities are not covered.

Journey Exclusions

Our international travel insurance plan does not cover any losses or damages incurred due to any war or nuclear threat in the country where you're travelling. It also does not cover the challenges faced due to theft or loss of passport when left unattended, or unreported to local police authorities.

Note: Please read the policy wordings for the full list of exclusions.

How to Choose an International Travel Insurance Policy?

Selecting the right overseas travel insurance is a crucial for securing your trip abroad. It is important to choose an international travel insurance policy that offers comprehensive coverage and high sum insured instead of a cheap international travel insurance that doesn’t protect you adequately. So, how do you choose the right online international travel insurance? Here are a few pointers for you:

Check International Travel Insurance Policy Coverage

Check if the international travel health insurance policy covers emergency medical expenses, passport loss, baggage delays, baggage loss, trip cancellations, trip delays, trip interruptions, etc. We recommend you to look for comprehensive coverage when buying an international travel insurance online. For example, if you face a situation where the airline has misplaced your checked-in luggage, then our Reliance Travel Care Policy will help you get reimbursed for the lost baggage.

Look for Medical Emergency and Dental Treatment Covers

Best international travel insurance plans offer cover for a wide range of medical contingencies. You could get admitted in the hospital due to some accident or sudden illness and your travel plan should cover you for the hospitalisation expenses. Even if you need emergency dental treatment while on your trip then your international travel insurance should reimburse you for that. Make sure you get a plan that covers you for all of the previously mentioned scenarios (check out the Reliance Travel Care Policy for all these covers)

Choose Need-Based Sum Insured

Every international travel insurance plan has a Sum Insured, which is the maximum amount that an insurance company will pay toward a claim. The higher the Sum Insured, the better financial protection you get against medical emergencies and other trip-related contingencies. While we recommend you to choose an online international travel insurance policy that offers a high Sum Insured of up to $500,000, you need to select a plan based on your requirements.

Evaluate Claim Settlement Process

You should always check the travel insurer’s claim settlement ratio and process before buying international travel insurance online. A higher settlement ratio and a smoother claim procedure will ensure your claim is successfully processed.

How to Buy International Travel Insurance Policy Online?

Buying international travel insurance for your upcoming trip isn’t as easy as buying your favourite chocolate. You need to choose the right travel insurance that meets your requirements while giving comprehensive protection during your stay abroad. That’s why we’ve made it simple to buy overseas travel insurance online – just follow our step-by-step guide and you’re good to go.

Step 1: Scroll to the top of this page and enter your details including travel type, mobile number, email ID and travel destination.

Step 2: Choose your preferred plan type and click on ‘Buy Now’.

Step 3: Check your premium details, enter your personal details and choose your preferred mode of payment.

Step 4: Get your international travel health insurance policy for your upcoming trip.

Factors that Affect Your Travel Insurance Premiums

Your international travel insurance premium is influenced by a combination of factors like the country you’re travelling to, your age and the duration of your trip. Check out the list below to know in detail how each factor affects your premiums: 

Your Travel Destination

The country you choose as your travel destination affects your international travel insurance premium as each country carries its own risk, which the insurer assesses. Therefore, your premium will go higher if you’re travelling across USA and Canada in comparison to travelling to Asian destinations.

Length of Your Stay

Your international travel insurance premium is affected by your trip duration. A shorter trip results in lower premiums because the chances of risk is lower and the opposite applies for longer trips where the risk is higher. If you spend more time in your holiday destination, there is a higher risk of injury or illness since you’ll be out travelling to enjoy your holiday.

Age of Traveller(s)

The age of all travelling members plays a role in the premiums too. Older people are associated with medical higher risk as they have a high probability of having pre-existing diseases, therefore the premiums for them would be higher. On the other hand, younger travellers will have lower premiums as they are usually fitter and have a low medical risk.

Type of Insurance Plan

Different international travel health insurance plans cover different needs. If you’re a student going abroad for education, then we have an international travel insurance plan for students. If you take multiple trips in a year, then we have an annual multi-trip travel insurance plan . The premium changes based on your need and the type of insurance plan for that need.

Sum Insured

Every travel insurance policy has different plans that offer varying amounts of the Sum Insured. The Sum Insured is the maximum value that an insurance company will pay towards your claim. The claim could be related to flight delays, missed connecting flights, trip delays or interruptions, medical expenses, lost passport, loss or delay of checked-in baggage. So when the Sum Insured is high, the premium will be higher.

How to File An International Travel Insurance Claim?

Cashless claim, register claim.

The insured, his family or the hospital has to intimate a claim with the correct certificate number to Reliance General Insurance within 24 hours from the time of admission in case of hospitalisation. Note that the hospital has to agree to provide the cashless facility.

Claim Settlement

To avail Worldwide cashless facility, call the below-mentioned numbers or International toll-free numbers given country-wise in your Policy Schedule for any emergency assistance.

National Toll-Free No.: 1800-209-55-22

Landline No.: +91-22-67347843/44 (Charges Applicable)

New International toll-free numbers

Reimbursement Claim:

The insured or his family has to intimate Reliance General Insurance within 24 hours of the occurrence of claim.

For reimbursement, submit the fully filled claim form along with the hard copies of all the required documents at the below-mentioned address:

Europ Assistance India Pvt Ltd. 7th Floor, Star Hub,  Bldg No. 2, Near ITC Maratha Hotel, Sahar, Andheri East, Mumbai – 400 059., India

What are the Documents Needed to File a Claim?

1. You need to complete the KYC Process as per the AML/CFT Guidelines issued by IRDAI. You also need to submit PAN/Form 60 along with the below-mentioned documents for your international travel insurance claim.

2. You need to submit the original ticket/boarding pass, a copy of the passport indicating the travel dates and the completed claim form for every claim.

3. You also need to submit original bills/vouchers/reports and discharge summary for all claims.

4. You have to submit an official death certificate and a physician's statement giving the cause of death to avail reimbursement of the costs of transporting the mortal remains of the Insured/Insured Person to the Republic of India or of costs of burial abroad.

5. For claims related to lost passport, you have to submit a Police Report obtained within 24 hours of the Insured/Insured person becoming aware of the theft along with the original bills/receipts of expenses incurred for new/fresh passport.

6. A Property Irregularity Report or other report is usually issued by the common carriers in the event of loss of checked-in baggage. A letter from the airline will also need to be submitted stating the compensation, if any received from them for the lost baggage.

7. In case of claims related to personal liability, you need to submit proof of judicial decision rendered by a Court.

8. For claims under financial emergency assistance benefit, the police report filed within 24 hours of becoming aware of the robbery needs to be submitted.

For a complete list of applicable claim documentation please visit here .

Want to extend your trip? Take a look at this-

If your holiday is extended for any reason, we recommend that you extend your travel insurance policy. It always better to be safe than sorry! Download and fill the Extension Form with Good Health Declaration Form & visit the nearest branch.

We offer overseas travel insurance for various destinations around the world. Click here to know more about  travel insurance for different countries.

Disclaimer: **The mentioned Sum insured amount is applicable only under Reliance Travel Care Policy – Individual – Platinum Plan. #Total loss of checked baggage - Maximum amount payable per checked-in baggage in case more than one bag has been checked in, is 50% (100% for only one checked-in baggage) of applicable sum insured and per item in baggage maximum 10%. *T&C apply.  Details mentioned here are for Reliance Travel Care Policy - Overseas Plan, UIN: RELTIOP08002V010708.

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• Quick Facts

Any trip you take is exposed to various risks like accidents, trip delays, cancellations, loss of passport, etc. To protect yourself from such uncertainties is why you need an overseas​ t​ravel insurance policy. ​It provides the financial support you need in emergency situations and any losses you may face. Having an international travel insurance policy promises a hassle-free international trip.​

No, international travel insurance is not mandatory. However, certain regions and countries like the Schengen countries and Australia mak​e it mandatory to buy travel insurance before travelling.

A deductible is an amount you agree to pay from your pocket towards a claim. Your international travel insurance policy will cover the remaining claim​ amount after the deductible is cleared. Each travel policy comes wit​h a deductible clause and is mentioned in the policy wordings.​​​

The age criteria of our travel insurance policy depend on the plan opted. For example, we offer policies with an entry age of 3 months t​​o 60 years under our Individual plan; policies to citizens aged 61 to 90 years under our Senior Citizen plan; and policies to Individuals aged 16 to 35 years under our Student plan etc. 

Our travel policies are recogni s ed and accepted all over the globe. For your convenience, we have an international presence through our many service providers. Moreover, Reliance General Insurance has special travel insurance plans that will cater to whichever country you plan to travel to. ​

No, our travel insurance policies are designed to cover leisure or personal business trips only.

Yes, we have designed our travel insurance plans to meet the requirements of both a trip for leisure and business. Individuals travelling abroad for personal business purposes can avail themselves of our Travel Care Policy, while those who are frequent travellers can opt for our Annual Multi-trip plan.​

Yes, a travel policy is applicable for one-way travel also, including immigration travel with the condition that the maximum duration of coverage be 60 days.

​​An Emergency Assistance Service Provider or EASP is an organisation appointed by the insurance company to provide claim-related services to insured members on any international trip.

No, every individual is to be issued only one travel insurance policy during his/her journey.

Yes, it is mandatory for the customer to be present in India before buying a travel insurance policy.

If you cancel your policy before the start of the travel date, then a refund is applicable with a cancellation charge in case of non-travel. However, no refund is applicable if the Insured has travelled during the policy period.​

The policy can be extended only once during the trip at the request of the policyholder and approval of the insurance company. Policy extension cannot exceed a total of 365 day in total.

All emergency medical expenses incurred during the trip for inpatient and outpatient treatment, diagnostic services, transportation to the nearest hospital, etc. are covered under a travel insurance policy. So, in case of any injury or loss you will get adequately covered.

Yes, with Reliance Travel Insurance you can extend your travel plan! If your holiday is extended for any reason, we recommend that you extend your  international ​ travel insurance policy. Download and fill the  Extension Form and visit the nearest branch.

Reliance Travel Care Policy covers you for most medical and financial requirements and offers some additional assistance in case of any emergencies while travelling.

Any basic international​ travel insurance policy will cover you for:

• Medical Expenses Including Transportation, Evacuation and Repatriation of Mortal Remains
• Personal accident​

Apart from these, you can opt for covers like:

• Dental treatment
• Financial emergency assistance
• ​​Delay / Total loss of checked-in baggage
• Trip delay, Trip cancellation and interruption, Missed connection
• Loss of passport
• Home burglary insurance
• Personal liability

Our insurance policy doesn't have any specific cover that takes care of sporting interests. In case you meet with an accident while playing leisure sports, provided it's not part of a competitive event, you can use the personal accident cover of your policy. However if you are involved in extreme sports like bungee jumping, mountaineering, air gliding or ballooning, and meet with an accident, then the policy won't cover you. Here's a complete list of hazardous activities which are not covered under the basic policy.

In case you do lose your passport, your policy will reimburse you for actual expenses necessarily and reasonably incurred to get a duplicate or fresh passport.

However, the international travel insurance policy will not cover you if your passport:

• is confiscated or detained by customs officials, police offers or police authorities
• is lost on account of it being left unattended or forgotten in a public place or transport, hotel, apartment or a private place or vehicle
• has been robbed and you have not reported the incident to the local police within 24 hours of the event. We will require a copy of the report when you make the claim.

Your policy provides a reimbursement for delays​ in transportation of checked-in baggage beyond 12 hours. This is valid across all travel destinations that are mentioned in your ticket, including all halts as well.

This cover for delay will not be available in the following cases:

• If your baggage is lost, unless a Property Irregularity Report or equivalent report, issued by carrier, is procured and submitted.
• If there is partial loss of the items contained in the checked-in baggage.
• If items contained in the checked-in baggage, valued in excess of US $100, do not have appropriate proof of ownership.
• If the valuables, money, securities, tickets and passes or any other item(s) are not declared and agreed by the Company.​
• If the losses are a result of delay, detention, confiscation by customs officials or other public authorities.
• If the losses are incurred due to complete / partial damage of the checked-in baggage.
• If the checked-in baggage is delayed on the inbound sector to the Republic of India.

This amount will be up to a maximum, as mentioned in your policy schedule.​

The loss of handbag is not covered. Your  international travel insurance ​ policy pays or reimburses only for a delay in transportation of checked-in baggage accepted by a common carrier by which you/insured would be traveling. It is also mandatory that the common carrier has issued a baggage receipt for the trip.

​​As long as you are travelling by "Common Carrier" means any scheduled commercial airline or ship or vessel operating under a license from the relevant authority for the transportation of passengers for hire you stay covered.

Your international travel insurance has a personal liability cover that protects your liability under accidents that result in death, injury, damage to health or damage to the property of a third party. This also covers any hospitalisation expenses in case of any accidental injury.

Yes, it does. Your hospitalisation expenses will be covered in a quick and cashless manner. If you have been hospitalised for more than 2 consecutive days, you can even avail of a daily allowance subject to plan opted.

No, since this is a special service that provides assistance in times of financial emergency that may arise due to theft or robbery you will not be able to avail this cover if you’re short of funds/cash.

In case your flight is hijacked, your policy will compensate you, up to the maximum amount as mentioned in your policy, post the first 12 hours of hijacking.

In case your flight is delayed for more than 12 hours from the scheduled time, due to unforeseen circumstances like illness, death, delay due to bad weather, natural disaster, we will reimburse to you up to the maximum amount as mentioned in your policy.

If your plan covers home burglary, your house and valuables are covered for burglary or attempted burglary, up to the limit of sum insured. Please note that the cover does not protect you from losses sustained due to fire or other perils.

If you opt for the ‘Study Interruption’ cover, it provides you compensation in case:

• you are hospitalised for more than one consecutive month on account of any disease, illness, injury, terminal sickness or medical repatriation,
• an immediate family member or your sponsor expires, leading you to discontinue your studies for the remaining part of the current semester, the tuition fee for which has been paid.

Pregnancy, childbirth and any consequences thereof unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured/Insured Person's or the child's life in the event of acute complications, provided that the Insured/Insured Person has not completed the age of 38 years and 30th week of the pregnancy is not yet completed.​

If any illness / injury during the policy period abroad necessitates curative treatment beyond duration of this insurance, the Company's liability to pay benefits within the scope of this Policy shall extend for a further period of 30 days insofar as it can be proved that transportation home is not possible. Emergency Assistance Service Provider must be notified immediately as soon as it is known that Insured / Insured Person is unfit to return to India. If any new illness / injury is contracted beyond duration of this Policy, treatment for the same will not be covered.

In such a case, if the death or disablement occurs within 12 months from the start date of the policy, the company will process the claim as per terms and conditions of the policy in favour of beneficiary/nominee mentioned in the policy.

In the event the Insured/Insured Person is hospitalized for more than 7 consecutive days, and his/her medical condition forbids repatriation and no adult member of his/her immediate family is present, the Company after obtaining confirmation of need for a companion from the attending doctor and the Emergency Assistance Service Provider, will provide:

a) a round trip economy class air ticket, or first class railway ticket, to allow one immediate family member, during the entire period of insurance, to be at his/her bedside for the duration of stay in the Hospital;

b) expenses towards stay of the immediate family member during such compassionate visit.​​

​​When you and your family are on a foreign tour, Reliance Travel Care Policy covers your home/ home contents in India against burglary. It protects your house and valuables from burglary and/or attempted burglary, up to the limit of Sum Insured. This cover does not cover losses sustained due to fire or other perils.

Yes. Please read your policy document carefully to understand what risks you're covered for and what is not covered. Ensure that you have the cover you need.

​​No, an international policy is not extendable for domestic travel. Any medical or accident policy that you may have, will cover you for the relevant benefits, while you are travelling within the country.

​​​No, the policy will not cover any expenses if there is passport loss in India.​

There are various online methods to pay your premium and they are:

• Credit/debit cards
• Net banking

You can decide on the scope of the insurance based on your financial needs. Factors you should take into account are the number of travel days, the country you’re travelling to and type of risks you want to be covered for.

The policy cannot be extended online. The premium depends on the plan, age, geographical coverage and the number of days of primary policy opted and the extension number of days sought.

Currently there are no discounts available on our travel insurance plans however our travel plans come at nominal premiums with an extensive coverage and a high sum insured.

We have global network of Third-Party Administrators (TPA) who assist our customers to settle their claims abroad (the final decision on any claim made will be after receiving and assessment of all the documents).

You have two options here. You can go cashless by immediately intimating us in case of a medical emergency or loss. Following that we can process your cashless treatment in a hospital. You can also get your bills reimbursed after you clear your expenses from your own pocket. You can opt for reimbursement for facilities like OPD and doctor consultation which cost lower than a hospitalisation.

From the date of receipt of the last documents, it will take approximately 30 working days for the final settlement of the claim.

The original ticket/ boarding pass or a copy of the passport indicating the travel dates i.e. visa with entry and exit stamp plus the original bills and vouchers must be submitted along with the completed claim form for all claims.

Any other document(s) that we require from you to process the claim may be asked for, if we or the Service Provider requests that bills/ vouchers in a foreign language be accompanied by an appropriate translation then the same will be borne by claimant.

For medical claims: Medical Practitioner's Consultation notes, Original admission/ discharge card, Original Bills/ receipts with prescriptions and diagnostic/ investigative reports along with mandatory documents as claim form, copy of passport/ visa with entry and exit stamp and copy of the ticket and boarding pass.

Any other documentation as deemed necessary by the Company.​

Any claim due to or arising out of pre-existing medical condition/ailment whether declared or undeclared is not covered under the policy. However, life-threatening conditions arising out of a declared pre-existing disease that necessitates emergency medical procedures will be covered.

No such pre-approval is required before hospital admission in case of any medical emergency. Registration of claim is required to avail benefits under the policy. Please call the given numbers in the policy schedule to register your claim and confirm your coverage under the policy as soon as possible upon hospitalisation​, intimation can be done even by sending an email or making a call to our 24x7 emergency assistance partner on provided email address or toll-free numbers. Please refer to the policy schedule for contact details.

A sub-limit​ is a limit placed on a specific type of coverage within an insurance policy. In travel insurance, a sub-limit is placed on the coverage for medical expenses for insured members of a specific age. So older members will be able to utilise only part of the sum insured amount for a medical emergency because of a sub-limit.

​​The claim procedure involves intimation and settlement.

The first step you take is to inform the Emergency Service Assistance Provider (EASP) by calling them on the Help Line number or via email. The hospital has to get in touch with the EASP and confirm if they want to accept the cashless facility and submit all the medical documents and bills to the EASP. Post this, the EASP will assess the claim and place a Guarantee of Pay (GoP) to the hospital.

In case the hospital does not agree to the EASP’s GoP, you can settle the bill with the hospital and later get reimbursed from Reliance General Insurance.

Medical Assistance & Emergency Services are provided by our Service Provider, Europ Assistance who are at your Service 24*7 during trip duration. Please provide Immediate intimation of any claim / requirement for emergency assistance while abroad to ensure that the Claim is not prejudiced. Please contact the International Toll Free Helpline numbers given below. In case of any requirement for emergency assistance whilst abroad, please contact the toll free helpline numbers given below:

Singapore and Thailand — 001-80099441111,

Hong Kong — 001-80099441111 and 006-80099441111,

USA — 18337426673,

Canada -011-80099441111 ,

Australia —0011-80099441111,

Japan — 001-010-80099441111 and 010-80099441111,

Israel — 00-80099441111 and 014-80099441111,

Greece —86002038017,

Argentina— 00-80099441111,

Austria— 00-80099441111,

Belgium— 00-80099441111,

China— 00-80099441111,

Czech Republic— 00-80099441111,

Denmark— 00-80099441111,

France— 00-80099441111,

Germany— 00-80099441111,

Hungary— 00-80099441111,

Italy— 00-80099441111,

Malaysia— 00-80099441111,

Netherlands— 00-80099441111,

New Zealand— 00-80099441111,

Norway— 00-80099441111,

Philippines— 00-80099441111,

Poland— 00-80099441111,

Portugal— 00-80099441111,

South Africa— 00-80099441111,

Spain — 00-80099441111,

Sweden — 00-80099441111,

Switzerland— 00-80099441111,

Taiwan — 00-80099441111,

United Kingdom — 00-80099441111

Dedicated National Toll Free Help Line : 1800 209 5522

Land Line : +91 22 67347843 +91 22 67347844  

Email : [email protected]

The Trip Delay cover reimburses you for any reasonable additional expenses incurred in the event of a trip delay lasting over 12 hours due to unforeseen circumstances such as inclement weather conditions, loss of passport or travel documents, or unforeseen illness or injury of an immediate family member. The reimbursement amount will be pay as per the sum insured specified in the policy schedule.

If your checked-in baggage is delayed for more than 12 hours or misdirected by the airline, then you get reimbursed for the expenses of “Necessary Emergency Purchases”. Necessary Emergency purchases includes clothes, toiletries and medication.

If your checked-in baggage is completely lost by the airline, then you’ll get compensated for the same lost baggage up to the market value. Note that any partial loss of checked-in baggage will not be covered. Please check the policy wordings for full details of this cover.

If your trip is interrupted or you’re forced to cancel your trip before the scheduled departure date due to unexpected illness, death of your immediate family member, or inclement weather conditions, then you’ll get reimbursed for the forfeited, non-refundable prepaid payments made prior to the departure date. Please check the policy wordings for full details of this cover.

If you’re hospitalised during your trip and it can be proved that you need to continue treatment even after your policy expires then we’ll cover, you for an extra 30 days under the policy you bought. Please check the policy wordings for full details of this cover.

​Sum Insured is the maximum amount we as an insurance company will pay towards the claims that you as a policyholder raise. It is the agreed upon amount stated in your policy document which will cover your risks up to a certain limit.

Reliance General Insurance shall not be liable to make any payment under this benefit in connection with or in respect of any expenses whatsoever incurred by you for:

1. Medical treatment abroad if that is the sole reason or one of the reasons for temporary stay abroad.

3. Treatment which could reasonably be delayed until the Insured/Insured Person's return to the Republic of India. The question of what can or what cannot be reasonably delayed will be decided jointly by the treating Physician and the Emergency Assistance Service Provider.

4. Treatment of orthopedic, degenerative, oncological diseases, unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured/Insured Person's life or measures solely designed to relieve acute pain in any case excluding chemotherapy or radiotherapy expenses.

5. Charges in excess of reasonable and customary charges incurred on account of an insurable event as per the determination by the Emergency Assistance Service Provider.

6. Expenses incurred in connection with cancer treatment, unless the medical assistance provided abroad involves unforeseen emergency measures to save the Insured / Insured Person's life or measures solely designed to relieve acute pain.

7. Treatment relating to the removal of physical flaws or anomalies (cosmetic treatment or 'plastic' surgery in any form or manner).

8. Expenses incurred in connection with rest or recuperation at a spa or health resort, sanatorium, convalescence home or similar institution.

9. Expenses related to mental or psychiatric disorders.

10. Pregnancy, childbirth and any consequences thereof unless diagnosed as a Life Threatening Medical Condition by a Medical Practitioner.

Please refer policy wordings for complete list of exclusions.

You can visit any Dentist / Clinic for Emergency Dental relief and avail the treatment, and you can get reimbursed for emeregncy expenses at the dental clinic. Ensure you collect consultation notes, receipts and X-Ray reports from the dentist, which you need to submit to our claims department. You can intimate the claim after your treatment on our 24x7 emergency assistance department number and we will assist you with the claim procedure.

Yes, you can file a travel insurance claim in India upon return within 30 days from the Policy expiry date or date of your return to India whichever is earlier. However, it is advisable to file a claim while abroad as soon as any incident occurs leading to the claim under the Policy.

Reimbursement of all claims (except claims under Financial Emergency Assistance) will be made by the Emergency Assistance Service Provider (or Service Provider) in Indian Rupees on your return back to India, at the exchange rate specified by the Reserve Bank of India, as applicable on the date the amount is billed. Claims under Financial Emergency Assistance shall be settled/arranged directly to you, whilst abroad, by the Service Provider. You shall immediately and in any event not later than 30 days after his return to India, notify the Service Provider and obtain a Claim Form for completion and return to the Service Provider along with supporting invoices and any other documentation or information that might be required or requested by the Service Provider.

We shall reimburse the expenses subject to approval of by cheque on the name of the insured.

The Third Party Administrator (TPA) or Emergency Assistance Service Provider means persons, or organisations​ who have been appointed by us to provide administrative services on our behalf and at our direction for an Insurable event. You can contact our Emergency Assistance Provider Europ Assistance India Pvt. Ltd. in case of any claim.

You can contact our Emergency Assistance Provider Europ Assistance India Pvt. Ltd. on the numbers specified on the Policy schedule.

Your cover beings on the start date specified in the Policy when you commence your journey by the specified airline (Common Carrier) outside the Republic of India till that date you return to India or the Policy expiry date whichever is earlier.

There is no specific list of hospitals or network which we have since the Policy covers all the hospitals and Service Providers abroad. In case of an emergency hospitalisation, you have to contact the emergency service provider and register the claim for cashless processing of your claim.

Coverage under this Policy is limited to the checked-in baggage which is entrusted with the airline (Common Carrier) during your trip.

You need to report this to the nearest Police station and visit the Embassy. Expenses incurred towards the procurement of a duplicate / temporary passport is covered due to loss of passport. Please check the policy wordings for full details regarding this cover.

You can visit any hospital/doctor and intimate us through a Service Provider to get your cashless or reimbursement claim.

The limit for all kind of expenses and what is included and not is mentioned in the policy wordings. We recommend you go through the same for all the details.

No, for any dental treatments or even outpatient treatments, you can only get reimbursed for your claims after you’ve paid for them first.

If you or any of the travelling members covered under the policy meet with an unfortunate accident that leads to total or partial disablement or death, then we'll compensate you or the legal heir for the loss. Here's a brief description of the compensation under the cover:

• In case of death, 100% of the Sum Insured (SI) is given if the insured was 18 years and above (50% of SI if insured is below 18 years).
• In case of loss of sight in both eyes, loss of hands and legs, then 100% of the Sum Insured can be claimed.

For a detailed table of the Personal Accident cover, please read the policy wordings .

In the unfortunate event, where the insured person becomes legally liable for death, injury or damage to the health of such third party or damage to his/her properties then the Personal Liability cover takes care of your legal expenses and the compensation that you have to pay to the third-party as per court of law upto the specified limits mentioned in the policy.

​​No, you cannot raise a claim for any treatment done after you return to India. Nor does it cover any treatments done before your trip commences.

You have to register a claim by contacting our Emergency Assistance Service Provider. After the claim registration, you can arrange and submit the supporting documents to the claims department. Once that’s done, our claims department will review the documents to ascertain the claim admissibility and update you if there is any additional requirement. Once a claim is found admissible, we shall update you and process the final reimbursement amount as per Policy terms and conditions.

No, there is no such card which we issue along with the Policy copy. You can submit the copy of your Policy schedule in the hospital & simultaneously contact our Emergency Assistance Service Provider to intimate the claim.

Yes, under the policy transportation to the nearest hospital and cost of an accompanying friend or colleague is covered. Air ambulance is also covered if deemed medically necessary and after the approval of our claims team. Please read the policy wordings for full details of this cover.

No, medicines purchased over the counter from a pharmacist are not covered unless and until prior consultation is sought from a Medical Practitioner and same is prescribed as a part of treatment. You have to consult a doctor and supporting consultation notes & prescriptions are required to claim for these charges.

In the absence of the required mandatory original documents, we will regrettably not be able to process the reimbursement amount.

If you lose all the original documents and thus are unable to produce the same at the time of raising a claim, then we’ll regrettably not be able to process the reimbursement amount.

Extension of the Policy during the duration of the trip can be done only once at the sole discretion of Reliance General Insurance. The Insured / Insured Person shall submit a declaration letter clearly mentioning the claims filed during the original Policy duration and also that he / she is unaware of any existing health condition which could result in a claim during the extension period.

In case a claim has been filed in the original Policy duration, then the Policy may be extended only if the claim filed relates to the following benefits:

• Total loss of checked baggage
• Delay of checked baggage
• Trip cancellation interruption
• Missed connection

The extension of any Policy is at our sole discretion, and we will not be liable to offer any reason to the Insured / Insured Person if the Policy is not extended.​

No, there is no such pre-approval required before hospitalisation.

Unless and until a family floater policy is purchased, individuals will require a separate policy for each of them, and separate set of claim documents in case of any claim.

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Dear Reliance General Insurance Team, I had an opportunity to chat with Somil for my policy extension. Somil’s understanding and expertise with the subject is par excellent. Somil has made me comfortable with his utmost professionalism. I wish him good luck with Reliance and I award him 5 Stars for my today’s interaction with Somil. Keep up your good work.

Hi, I'm just appreciating your service team member, Mr. Vikas Agrawal for an outstanding service provided. Resolution to the problem was quickly solved. Thank you & Good luck to the team for the support.

Purchased travel insurance from reliance to ensure my baggage safety

Travel insurane from Reliance General provides me baggage coverage and I feel secured

Missed my connecting flight to New Zealand. Thank God I had travel insurance. Reliance General really helped me out.

I purchased a student travel insurance for my son who is going abroad for studies and I got a fair deal

Happy with the quote I received for my overseas travel insurance policy. I purchased the travel insurance for my upcoming abroad trip

purchased the overseas travel insurance for my upcoming abroad trip with family.

Purchased a overseas travel insurance for my upcoming abroad trip. This makes me feel highly secured

I went to abroad for the first time and my trip went really well as i was feeling secured with reliance's overseas travel insurance

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Trip Cancellation

Coverage for financial loss incurred due to cancellation of trip before its onset

Emergency in-patient Medical treatment

Covered up to sum snsured

Destination Specific Plans

Separate plans for Asia Pacific region, Europe, USA & Canada and worldwide

Hospital daily cash allowance

Up to $50/day

Download Resources

Travelassure brochure.

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TravelAssure Policy Wordings

Find out all you need to know about the plan here

TravelAssure Claim Form

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TravelAssure Application Form

Download the form to avail the services of any of our network hospitals

What is Travel Insurance?

Travel insurance is a type of insurance that is custom-made for people going on domestic and international travels. It addresses the various risks that one may face during travels, including hospitalisation, medical expenses, loss of luggage or documents, cancellation or disruption of flights, and various other costs. Travel insurance covers you from the date of departure till your arrival back at the place of origin. For frequent fliers, a travel plan that remains effective for a certain period is more suitable as it covers multiple travels during the policy period.

How to Buy Travel Insurance Plan?

You can buy a travel insurance policy online or by visiting the insurer’s office. While applying online, you need to fill in the basic details like dates of travel, traveler details, coverage required, etc. Then you receive the quote, based on which you can select the travel insurance policy that suits your requirement. There are different types of travel plans customized for different travel needs. These include corporate, single, family, senior citizen, or student travel plans. You can purchase a travel plan that suits you the best. You can also buy travel insurance plans from insurance brokers and agents. However, ensure that they are licensed by the Insurance Regulatory and Development Authority of India. It is worth noting that you may be eligible for discounts if you buy a travel insurance plan online directly from the insurer.

When to Buy Travel Insurance?

If you plan to embark on multiple trips, you should buy a travel plan in advance to cover all the upcoming trips. Even in the case of a single trip, buying a travel plan in advance is advisable. Typically, it could be on the date of booking the tickets or a few days after that. You can also buy travel plans at the last minute. But you may miss out on crucial coverages. For instance, travel insurance offers cancellation coverage. But you will miss out on the same if the cancellation happens before the policy start date. In other words, buy your travel insurance well in advance to avail all benefits.

Why Buy Travel Insurance Policy?

Some of the common reasons that make a travel insurance important are:

• People are more prone to medical problems in a foreign land, be it within India or overseas, due to changes in food habits and environmental reasons.
• Travel insurance helps tackle such circumstances with ease.It protects in case of baggage losses at airports and theft or travel scams in many tourist destinations.
• Travel insurance protects the policyholder in the event of flight delay or cancellation. It protects you in the event of natural calamities, man-made disasters, flight hijacking, etc. Student travelers can also opt for study interruption coverage in their travel plans.
• Travel insurance may cover fatalities and repatriation of mortal remains.
• Travel insurance is a mandatory requirement in more than 30 countries. It is a prerequisite for visa processing while travelling to these countries.

Who Should Buy a Travel Insurance Plan?

While it is mandatory to have travel insurance before visiting certain countries, people travelling to any country, in general, should buy a travel insurance plan. Along with, it is advisable for the following travelers to buy a travel insurance plan: Individual travelers and families Senior citizens - because of their higher medical susceptibility Corporate travelers can cover their travel risks while travelling on behalf of their organization Students can buy student-specific travel plans with longer validity People travelling in groups can insist on the purchase of travel insurance by their tour organizer Domestic travelers can buy travel plans designed to cover travel risks within the country

Advantages/Benefits of Niva Bupa's Travel Insurance Policy

Some of the reasons why you should choose Niva Bupa's Travel Insurance Policy are:

• Coverage: Extensive coverage including in-patient hospitalisation, OPD treatment, trip cancellation, loss or delay of luggage, medical evacuation, loss of passport, missing a connecting flight, etc.
• Pre-existing Diseases: Up to 100% coverage of pre-existing diseases under the emergency in-patient medical cover for students traveling abroad for education on a student visa.
• Medical Check: No requirement for pre-policy medical check-ups.
• Claims: You can enjoy a hassle-free claim process.
• COVID-19: Coverage for hospitalisation due to COVID-19 provided up to the sum assured.
• Sum Assured: Total coverage of up to USD 250,000

Get the most value from TravelAssure

Extension of the Policy Period for a Single Trip Policy

In order to extend the policy, policyholders can apply for an extension by contacting Niva Bupa’s customer care center or online by paying their premium and submitting all the required documents. This must be done before the policy expires. Once our team has verified the information, they will grant permission for an extension. Customers can also extend the geographical coverage of their policy by paying an extra premium.

Contact Details for extending coverage

Niva Bupa Health Insurance Contact No: 1860-500-8888; Fax No.: 011-30902010 Customer Service Portal - Insta Assist (https://rules.nivabupa.com/customer-service/)

Types of Travel Insurance Plans in India

There are various types of travel insurance plans offered by insurers in India:

• Basic Travel Policy: These plans cover basic travel risks that most insurers provide. The premium amount is comparatively low due to the limited coverage.
• Comprehensive Travel Policy: Comprehensive plans offer a host of optional covers, like medical expenses or repatriation of mortal remains, many insurers may not provide. etc. Notably, Niva Bupa Travel Insurance offers over 40 travel-related covers, including the ones mentioned above.
• Single Trip: One-time travelers can buy this policy before or after booking their tickets. This policy remains applicable for the duration of that trip.
• Multi-trip: If the policy buyer has several trips planned for the year, they can opt for a multi-trip policy that offers coverage for a specific period instead of the trip duration. Frequent fliers opt for this plan to avoid buying plans repeatedly.
• Student: Students can buy a travel plan that offers coverage for the study duration. Covers like sponsor protection and study interruption can be opted for to make the plan more student-friendly.
• Policy buyers can opt for a single, family, group, or any other plan as per their requirements.

Eligibility Criteria for Travel Insurance

The various eligibility criteria for Niva Bupa Health Insurance's TravelAssure plan include:

• Adults should be between the age of 18 and 70
• Dependent children can be up to the age of 25
• Travelers must possess and furnish mandatory documents like copies of passport, visa, income proof, and other relevant papers

Considerations Before Buying Travel Insurance Policy

Some of the factors that you need to consider before buying a travel insurance policy are:

• Duration: If you are planning to travel again, it is advisable to opt for a long duration multi-trip travel insurance plan. If your single trip is for a longer duration, the premium will be higher, so plan your trip accordingly.
• Nature of the Trip: Choose the plan as per the nature of your trip. Someone planning to do sky diving would have different optional covers compared to someone travelling to attend business meetings.
• Sum Assured: Estimate your travel risk and finalize your sum assured accordingly. The higher the sum assured, the higher will be the premium.
• Optional Covers: Go through the list of covers available and select judiciously. Selecting unnecessary covers will only escalate the premium.
• Exclusions: There may be specified circumstances or conditions where the travel insurance is not applicable. Always familiarize yourself with the exclusions before buying the travel plan.

COVID-19 Coverage

Due to the global scale of the COVID-19 pandemic, most leading insurance companies offer COVID-19 specific coverages in their travel plans. Niva Bupa TravelAssure provides COVID-19 hospitalisation coverage up to the sum assured. Accordingly, if you are infected or test positive for COVID-19 during your overseas stay, the travel insurance plan will bear the cost of your treatment and hospitalisation. In almost all countries, a COVID-19 infection leads to the applicability of strict isolation rules and gets addressed as per their SOP when detected. Therefore, adequate COVID-19 coverage can be handy in times of need.

Frequently Asked Questions

Does travelassure plan provide coverage against covid 19, is there any tax benfit that one can avail while purchasing travel insurance, is a medical check-up necessary before buying this policy, is it mandatory to buy travel insurance for visa, how to extend international travel insurance policy, can you buy travel insurance after booking your trip, can i buy insurance if i am going on a work permit abroad, can i file a claim after getting back to india, what are the age criteria for which you issue a travel insurance policy online in india, how to file for a claim for international travel insurance, how to claim travel insurance, when, where, and how to choose travel insurance plan, how to calculate travel insurance premium, how to compare travel insurance premium, countries where travel insurance is necessary/mandatory.

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Compare & Buy Travel Insurance

Just like any other type of general insurance , a travel insurance too is designed to help people during times of distress. Whether you’re making an international trip or traveling within the country, a travel insurance protects you against unforeseen circumstances such as flight delays , trip cancellations, loss of baggage ,  loss of passport , and medical emergencies amongst various other benefits. Today, with the growing insurtech industry, there are an increasing number of travel insurances available online. While this gives you the  benefit of buying a travel insurance  in the most efficient way, it also gives you the benefit to compare travel insurance plans online, at the comfort of your home and time and thereby making the right decision and choosing the right plan that suits you and your travel journey the best. In this article, we outline the importance of comparing travel insurances online , types of travel policies available and different factors to keep in mind when you’re looking to secure your upcoming trip in India or abroad.

Why should I compare Travel Insurance online?

Think about all the times you’ve bought something important. Whether it’s something as small as a pen or something huge like a car; our human tendency is to look at the kind of options available, compare all different aspects and some of us even go the extra mile to test it before making the call. That’s pretty much the same mindset you need when you’re buying a travel insurance as well. After all, if something goes wrong, you want to be protected in the best way possible. Following are some reasons why comparing travel insurances makes senses:

• Makes us more aware of the kind of travel plans and policies available in the market
• Helps us understand the array of benefits available, that one can benefit from while on holiday
• Gives us a better overview of what to expect from different travel policies
• Ensures we make the right choice, after evaluating all options

Types of Travel Insurance Policies

Before buying anything, in this case- a travel insurance, it’s important you know what kind of policy you even want or need in the first place. Following are some of the popular types of travel policies you can read about and compare:

• Domestic Travel Insurance  - As the name suggests, a domestic travel insurance is customized to suit people traveling within India. The same would include benefits such as flight delays, delay in checked-in luggage, and trip cancellations among other benefits.
• International Travel Insurance  - An international travel insurance is a unique travel policy, customized to suit people traveling abroad. This kind of policy includes benefits like loss of passport, flight delays, loss of checked-in luggage, medical emergencies and personal liability bonds amongst many other benefits. The same is designed as per the country one has purchased the respective travel policy for, since the amount of coverage and sum insured would differ as per the standard of living and currency value of each country.
• Student Travel Insurance  - A student travel insurance is designed for students traveling abroad to study. A student travel insurance is unique as compared to other plans, as it protects students from losses that could arise out of unfortunate situations, whilst they’re pursuing a course abroad. For example: if someone is pursuing their masters in the U.S but unfortunately gets into an accident because of which he/she can’t complete his/her masters. In this case, the student travel insurance will cover for all nonrefundable fees for the respective semester.
• Family Travel Insurance Plan  - When a family travels together on a vacation, a family travel insurance protects all family members under one single plan.
• Senior Citizens Travel Insurance  - Some travel insurance providers also offer a separate travel insurance plan for senior citizens, that covers them for both medical and other circumstances they may face while traveling.
• Annual Multi-Trip Travel Insurance  - An annual multi-trip travel insurance is designed for the globetrotters and perhaps, frequent business travelers that protects one on multiple trips taken in one year.
• Schengen Travel Insurance  - Since many travelers travel across different parts of Europe during one trip, Schengen travel insurance providers offer a specific travel policy that covers one across all Schengen countries in one single plan. 

Factors to Compare while buying a Travel Insurance

Sum Insured  - Sum insured is the maximum amount a travel insurance will cover for in the case of any mishap. Typically, every cover in a travel policy comes with a separate sum insured. Therefore, compare the sum insured available for each of the covers and benefits and check if it would be enough or not. For example: If you’re traveling to the U.S.A, healthcare expenses are very high there. In this case, you’ll have to check if the medical coverage is enough or not.

Medical Covers  - A medical cover in a travel insurance covers for any medical emergencies, illnesses or accidents that may occur during your trip. While most travel policies cover for the same, it’s important to compare the sum insured in each and the specific medical benefits offered. For example: Apart from covering for medical emergencies, we also provide for daily hospital cash in case of hospitalization abroad.

Transit Covers  - Transit covers refer to the benefits one can avail in situations like a missed connection, flight delay, trip cancellation, delay or loss of checked-in luggage among other benefits. To be honest, these are some of the most common mishaps people face during their travels. Therefore, look for these coverages and compare the same across different travel policies.

Other Trip Covers  - Compare all other benefits and covers; such as whether the travel insurance covers for adventure sports, loss of passport, trip cancellations, etc. Also, don’t forget to compare the extent up to which the benefit is offered! 

Terms  - Everyone’s wary of insurance terms, aren’t they? Therefore, always look at the terms before you buy a travel insurance policy. For example: Some travel insurances do cover for domestic flight delays but only if it’s delayed for at least 6 hours. In this case, you’d barely be able to benefit from the cover because domestic flights are often only delayed for 1-3 hours. 

FAQs about Comparing Travel Insurance

Should i only buy a travel insurance if it’s mandatory.

Unfortunately, a lot of people blindly only get any travel insurance because it is mandatory for specific visa applications. However, whether travel insurance is mandatory or not- it's one of those travel essentials you should carry a long cause well, aren’t travels full of surprises and uncertainties? (if you don’t think so- you've probably not watched enough movies.

Unfortunately, a lot of people blindly only get any travel insurance because it is mandatory for specific visa applications. However, whether travel insurance is mandatory or not- it's one of those travel essentials you should carry a long cause well, aren’t travels full of surprises and uncertainties? (if you don’t think so- you've probably not watched enough movies.

How is my travel insurance premium calculated?

There’s a reason why everyone’s travel insurance premium is different. This is because it’s calculated based on a combination of factors including your age, your trip duration, family members included in the plan, type of plan and coverage chosen and the country or countries you’re traveling to.

Should I compare my travel insurance premium as well?

The premium is the price you’ll pay out of your pocket to secure your trip! So, of course you should compare travel insurance quotes and see which is the most cost effective one- providing enough coverage for the price.

What kind of travel policies does Digit offer?

At Digit, we offer simple policies- an international travel insurance and domestic travel insurance. The same can be customized to add your family members and multiple countries/cities as per your travel plans. Additionally, we’ve also recently started offering a specific flight-delay insurance to compensate travelers on flight delays only.

How long will it take to activate my digit travel policy?

Our travel insurance is online, simple and quick. Therefore, it will take you only a few minutes to activate your Digit travel policy. All you need to do is enter your basic details- including your travel dates, destination and choice of plan, after which your travel insurance policy will be emailed to you in a jiffy! 

What are the conditions to use Digit’s travel insurance in case of flight delay?

In case of a domestic flight delay, you will be automatically be compensated if your flight has been delayed for 70 minutes or more. Whereas, in case of an international flight delay, you will be compensated if your flight has been delayed for 4 or more hours.

What are the conditions to use Digit’s travel insurance in case I want to cancel my trip?

As part of our travel insurance policy, you can safeguard yourself against losses in case you need to cancel your trip. In this case, Digit will cover for all your non-refundable bookings. The only condition to avail this benefit is that, the cancellation cannot be due to reasons such as if you were already aware of you or a family member’s health condition due to which you need to cancel the trip, if your visa application got rejected, or if you were already aware of a particular event (for example, a court summon) due to which you need to cancel your trip.

As part of our travel insurance policy, you can safeguard yourself against losses in case you need to cancel your trip. In this case, Digit will cover for all your non-refundable bookings. The only condition to avail this benefit is that, the cancellation  cannot  be due to reasons such as if you were already aware of you or a family member’s health condition due to which you need to cancel the trip, if your visa application got rejected, or if you were already aware of a particular event (for example, a court summon) due to which you need to cancel your trip.

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Disclaimer - 

Your policy is subjected to terms and conditions mentioned in your policy schedule and policy wording. Please go through the documents carefully.

The information mentioned here about the countries, visa fees and others is taken from different sources. Digit Insurance is not promoting or recommending anything here. Please verify the same before you book your tickets, apply for a visa, buy a travel policy or make any other decision.

Download International Travel Insurance Policy Wordings

Click here for Policy wordings

Other Important Articles Related to International Travel Insurance

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Last updated: 2024-03-14

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In the words of Saint Augustine,

‘ The world is a book and those who do not travel read only one page ’.

Travelling is the key to expanding the mind and spirit. Whether you are a globetrotter, a seasoned traveller, or travelling for the first time, international travel can be stressful and overwhelming. A long flight, different time zone, language barrier, currency issues; the list can go on. Any surprises can pop up along the way.

Preparing for international travel is important. At Bajaj Allianz General Insurance, we ensure that you ‘Travel with Care’ with aninternational travel insurance policy;

What is International Travel Insurance?

Imagine your passport or checked-in baggage being lost in a foreign country. Or that you fall sick, the flight gets delayed, or you end up missing the connecting flight. Well, situations like these can be certainly scary. Any mishap or illness can leave you stranded when in a foreign country.

With Bajaj Allianz international travel insurance plan, you can come back with happy memories come what may. Having overseas travel insurance secures you financially from any untoward incident.

From an overseas medical emergency or trip curtailment to loss of passport or baggage, we have got you covered throughout the trip. Travel insurance especially in the post-pandemic world should not be neglected at any cost. COVID-19 is an example that has proved that life certainly is unpredictable. Having a financial safety cushion in the form of insurance coverage can assure you to travel worry-free across the globe.

Always check the travel guidelines before you book your flight tickets. Travel is a part of personal, professional and academic life. Before you board the flight, secure yourself by buying international travel insurance from India.

Features of International Travel Insurance

Having adequate travel insurance coverage ensures your safety while you are abroad. Here’s a quick rundown of the key features offered under the best international travel insurance plan:

Plan for Every Age:

Cover for loss of passport/baggage:, cover against home burglary:, cover for trip-related adversity:, emergency cash advance:, personal liability:, advantages of bajaj allianz international travel insurance.

With Bajaj Allianz International Travel Insurance, you are travelling smarter, safer and with our special care. Our plans are designed to give complete protection and peace of mind. 

Why Do You Need International Travel Insurance?

More often than not, most of us think that travel insurance is not important. There are times when people consider including the insurance policy in their travel itinerary only when it is a mandate by a country.

Yes, you read it right! Countries like Cuba, Russia, Schengen countries, etc. have a mandatory international travel insurance requirement.

Do You Know?

• Medical expenses outside India are 2-3 times more costly
• On trips, people usually lose their passports, luggage, cash, bank cards, etc.
• Travel scams are common in popular tourist destinations

Having a comprehensive overseas travel insurance policy covers financial and medical emergencies that may arise at any point during the trip. It also offers compensation up to a specified limit.

• Medical expenses, evacuation and repatriation
• Loss/delay of checked-in baggage
• Trip delay/cancellation/curtailment
• Missed connection
• Hospital daily cash allowance
• Hijack cover, and much more

To choose the best plan buy international travel insurance online at cost-effective premiums.

What’s Covered Under Bajaj Allianz International Travel Insurance?

Our international travel insurance plan in India will cover you in every possible situation that may incur at any point in time on your international trip:

Loss of Passport:

Loss of baggage:, baggage delay:, trip cancelation/curtailment:, flight delay:, hotel booking/bounced flight:, accidental death:, personal accident:, medical evacuation:, interruption of studies:, home burglary:, credit card theft:.

Note: This is not an exhaustive list. For more information, read the policy wording carefully.

What’s Not Covered by Bajaj Allianz International Travel Insurance?

We try our best and wish that nothing goes wrong on your international trip. As important as it is to know what is covered, you should also know what remains uncovered under travel insurance. Here’s a quick rundown of the general circumstances/incidents/scenarios excluded in our travel insurance plan:

• Participation in any naval, military, or air force operations, whether in the form of military exercises or war games, or actual engagement
• Loss, destruction, or damage to any property or any loss or expenses resulting or arising there from or any consequential loss directly or indirectly caused by or contributed to by or arising from
• Actual or attempted engagement in any criminal or other unlawful act
• Any consequential losses
• Traveling to any country against which the Republic of India has imposed travel restrictions or if the country has imposed or may impose subsequently, such restrictions against travel by a citizen of the Republic of India to such country
• Engaging in air travel unless he flies as a passenger on an Airline

When, Where and How to Choose International Travel Insurance?

Whether you are buying single-trip travel insurance or multi-trip travel insurance, it does require a lot of research. To help you make an informed decision, listed below are some factors you should be mindful of while purchasing a travel insurance plan:

Travel Destination:

Trip duration:, no. of people traveling:, travel frequency:, claim process:.

T&C apply

Things You Should Know When You Are Planning an International Trip

An international trip sounds exciting, yet, planning for the same can be exhausting. Before you head out to your destination, jotted below are important things that you need to keep in mind:

First things first!

Buying An International Travel Insurance Policy Online

• Visit https://www.bajajallianz.com/general-insurance.html
• Select the type of travel insurance that you wish to avail
• Next, enter your full name
• Business multi-trip

This is followed by choosing the relevant option as per the last selection

• Provide date of birth, travel destination, return and departure dates, and the pin code where you reside
• Enter a valid phone number where the quote will be shared and click on ‘Get My Quote’
• The values are analyzed and a quote will be sent on the phone. You may change the sum insured amount as per the need
• Select the plan you wish to go ahead with. You may also look for add-ons if required
• Enter either the CKYC number or PAN card number
• You may view the travel insurance premium break up or directly click on the ‘Proceed’ tab
• Enter all personal information and then click on ‘Make Payment’
• Choose the mode of payment and make the payment
• Once you receive the payment confirmation message, the insurance-related documents will be sent by email instantly

You can keep safe by getting your Schengen travel insurance online.

Is Travel Insurance Mandatory for International Travel?

Having sufficient travel insurance coverage is a wise decision specifically when on an international land. It is important to understand that travel insurance is not mandatory to enter every foreign country.

An emergency never comes knocking on the door. Unexpected incidents such as lost baggage or trip cancellation can take their toll on you, both emotionally and financially. Adequate international coverage takes care of the financial aspect and you remain worry-free.

Wondering which countries require travel insurance? To avoid any confusion, contact the embassy or consulate of the destination you are planning to visit. The table below has the names of the countries where travel insurance is a mandate:

Note: This is not an exhaustive list. Countries may be added/removed as per the countries' policy which is subject to change.

Where Do Indians Get An Arrival Visa?

Applying for and getting a visa may at times be overwhelming. However, some countries offer visa-on-arrival and you need not go through the entire process.

The table below shows the names of the countries that allow visa-on-arrival for Indian passport holders:

The table below shows the list of countries that offers visa-on-arrival and e-visa facility:

Can Indians Get Schengen Visa Without Travel Insurance?

Amidst the requirements for a Schengen visa for an Indian passport holder, having a travel insurance policy cannot be missed. The Schengen countries have set rules to have a travel health insurance policy to meet the visa application.

Any Indian who wishes to visit a Schengen country needs to have Schengen travel insurance to visit Europe. To apply for a Schengen visa from India, listed below are the criteria that need to be met:!

• Minimum coverage of €30,000.00 (equivalent to Rs. 2,699,453.67 as of May 2023)
• A cover applicable in all Schengen member states
• A cover for expenses related to emergency medical treatment, evacuation for medical purposes, or repatriation from Europe to India

How to File a Claim for International Travel Insurance?

It is important to understand the travel insurance international claim process. You can file a claim for travel insurance online by sending documents to [email protected]

For intimation of Hospitalization please use our miss call facility by dialing +91 124 6174720:

Cashless Travel Insurance Claim

The cashless claim is only applicable for hospitalization overseas. The incurred hospitalization cost should be more than USD 500.

• Submit the documents by sending them on [email protected]
• After the claim gets submitted and verified, you will receive a payment guarantee letter
• In case the provided information or any document is missing, the insurer will get in touch to complete the formalities. The travel insurance claim process then continues
• Claim form (to be filled and signed by the insured)
• Attending physician statement (to be filled and signed by overseas treating doctor)
• Release of Medical Information Form (ROMIF) to be filled and signed by the insured and to obtain the medical records from the facility
• Medical records/consultation papers/investigation reports
• Invoices/ Bills / Estimate Claim Amount
• Visa copy with Entry Stamp Overseas and exit Stamp from India
• Copy of FIR (filed with the local police authorities) in case of an accident
• Death certificate/Post Mortem report in case of death

Reimbursement Travel Insurance Claim

The reimbursement usually takes up to 10 days or more. Ensure that the documents submitted are complete and correct.

• Collect and submit all original copies of the document to Bajaj Allianz General Insurance Health and Travel Administration Team (HAT)
• Once the documents are verified, the payment will be received within 10 business working days via NEFT
• In case the provided information or any document is missing, the insurer will intimate you about the same. The pending documents need to be submitted within 45 days
• The insurer also send three reminders with a gap of 15 days, requesting to complete the formalities
• On the completion of 45 days, if the documents are still pending, the claim process will be aborted
• Claim Form (to be filled and signed by the insured)
• Medical records/Consultation Papers/Investigation Reports
• Invoices / Bills supporting the claim amount
• Original Paid receipts (hardcopy) in case of a reimbursement claim. ( Bajaj Allianz General Insurance. Send it to the 2nd Floor, Bajaj Finserv Building, Behind Weikfield IT Park, Off Nagar Road, Viman Nagar, Pune - 411014 )
• NEFT Form and a Cancelled cheque stating the insured's / Claimant's Indian Bank account details
• Passport copy & Visa copy with Entry Stamp Overseas and Exit Stamp from India
• As per New Anti-money Laundering (AML) Guidelines Insured/Nominee CKYC Number or CKYC Document is Mandatory. Kindly Provide the same along with Government Issued PAN Card (Mandatory) and Government issued -Proof of address to us

What Do You Need to Prepare for International Travel?

There are more things than just packing luggage, booking accommodation and flight tickets. Here’s a quick essential international travel checklist:

• Check travel guidelines
• Know your destination, the local customs, laws, language, etc.
• Money, debit/credit cards
• A sturdy travel bag
• Universal travel adaptor
• Reusable water bottle
• Make electronic and hard copies of all important documents such as passport, visa, identity proof and an international travel insurance policy
• Medications/handy first-aid kit
• Get vaccinated/carry a vaccination certificate
• Know the currency exchange rates and ATM fees, if required
• Download the basic necessities (such as offline Google Maps)
• Comfortable walking shoes
• Travel sized toiletries
• Luggage locks
• Microfiber towel
• Most importantly, stay connected with your family and friends!

Travel with Care!

Mobile App Travel Insurance Claim Settlement

We also offer an exclusive service of automatic claim settlement in case the trip gets delayed. If you are using Bajaj Allianz General Insurance mobile app, you need not claim for a trip delay.

The mobile app keeps track of the flight. In case there is a flight delay, the payouts as per the limit are processed automatically.

*T&C apply

GOT A QUESTION? HERE ARE SOME ANSWERS

Do i need international travel insurance to obtain a visa.

Not all countries across the globe have made it mandatory to have a travel insurance international policy. However, to avoid hassles and have a smooth journey, it is recommended to have a valid travel insurance policy.

Will International Travel Insurance cover missed flights?

Yes, the travel insurance companies in India do offer cover for missed flight connections. This may vary from insurer to insurer. Before buying a plan, take a thorough understanding of the plan carefully.

Can International Travel Insurance be used to cover trip cancellations?

International travel insurance offers cover in case of trip cancellations, subject to terms and conditions in the policy schedule. It is advisable to check the same with your insurer as well. .

Does International Travel Insurance provide coverage for hotel booking cancellations?

There could be various reasons for cancelling the international trip. In case of a situation like this having comprehensive travel insurance coverage ensures not to leave you in financial distress. You will be reimbursed up to a specified limit for hotel booking cancellation and so forth.

Is it possible to purchase International Travel Insurance after booking my tickets?

You can buy travel insurance even after buying the tickets. Yes, it's best to be an early bird so that you do not miss out on certain travel insurance benefits.

What qualifications must be met to obtain an international travel insurance policy?

We offer travel insurance plans for various age groups. The table below shows the eligibility criteria to avail of our travel insurance policy in India:

Note: The criteria may vary from insurer to insurer and as per the country.

Is any medical evaluation required when purchasing international travel insurance?

There are insurance companies that offer coverage without undergoing any medical check-ups. Yet, for specified age groups, medical tests are required. In some countries, there are mandatory medical tests. It is recommended to check the travel guidelines of the destination and likewise check with the insurer as well.

Is it advisable to purchase international travel insurance online?

Buying international travel insurance online is easy, convenient and quick. You may also look at buying the travel plan offline. You can buy the insurance policy in a way that is accessible to you

Is it a requirement to have international travel insurance for international trips?

Availing medical care or treatment in a foreign land can prove to be expensive. Besides, there are countries where travel insurance is a mandate. Travel insurance is of much help in case of any uncertain events occurring, such as loss of passport, loss of checked-in baggage, trip curtailment, etc.

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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!

Instant Policy Purchase

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!

What Our Customers Are Saying

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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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• Overseas Travel Protection
• Domestic Travel Protection
• Annual Travel Protection
• Student Travel Protection
• Cruise Travel Protection

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Travel Insurance

Choose the right customisation for you.

We make it easy for you to get travel assistance with insurance that is perfect for your specific needs. We offer a wide variety of plans and customisation options. Go and select the right plan for you. We look forward to providing you with great protection & superior service.

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Travel Assistance with Insurance: Overseas Plan

Our overseas travel protection plan gives you our most comprehensive assistance cover and the highest level of benefits, making it particularly suitable for your overseas trip. however, if you travel frequently, you can purchase our annual plan so that you have consistent cover throughout the year., travel assistance with insurance benefits include:.

You can also choose to customise your travel assistance with Insurance with added cover for gadgets, cancellation risks etc., and you even have the option to extend your plan if you extend your trip.

Ready to start your travel?

Travel Assistance with Insurance: Domestic Travel Plan

Planning for a domestic trip or staycation never let the thrill and excitement of your upcoming trip get affected by unforeseen emergencies., ensure that you and your loved ones are holistically protected, with exclusive travel assistance & insurance from asego, domestic travel plan benefits include:.

Annual Travel - Comprehensive assistance cover Multi-trip travel insurance

Do you travel several times a year is your passport filled with stamps from the international trips you have been taking, avail travel insurance policy every time you pack your bags, save time and money with an annual travel protection plan from asego., annual travel assistance with insurance -also known as multi-trip travel plan can cover all your journeys over a 12 month period. just make one purchase, and travel as often as you'd like all year. you have the options to choose from overseas annual or domestic annual., annual multi-trip travel plan benefits include:.

Travel Assistance with Insurance: Student Travel

Overseas travel protection plan for studies, have you got admissions into a foreign university before you head overseas for your studies, be sure to avail the extra protection from asego and enjoy your study time without any hassles., after all, even if you stay at the university campus, you may encounter mishaps. and in such situations, we’ll be there to help., student travel plan benefits include:.

• 24/7 travel assistance services:   Emergency medical assistance, family protection, concierge services etc. included
• Fulfils visa requirements:   Insurance issued as an add-on benefit meets student visa criteria for J-1 visa
• Globally accepted:   Accepted by most of the foreign universities as a substitute to their mandatory offerings
• Exclusive benefits:   Covers out-of-campus medical treatments. 1/3 the cost as compared to a university plan and starts soon after the student departs from India.
• Comprehensive Plan:   For unexpected medical and non-medical expenses during your study abroad
• Time saver:   Quick cashless medical assistance services with a vast network of hospitals across the globe
• Dedicated services:   Network of expert assistance representatives across the globe and an efficient in-house assistance team for support

Kindly reach out to an Asego representative for counselling and purchase of Student Travel Protection plans.

Purchase assistance:

Ph: +91 22 6787 2037

• Email: [email protected]

Cruise Travel Assistance & Insurance

Make sure you’ve got the right travel assistance and insurance with our specialist cruise cover., why do you need a specialist cruise cover.

Specialist cruise travel assistance and insurance offers cover for problems that could arise while you’re on a cruise - such as missed port departures or transport to a hospital if you fall ill while at sea.

• All round protection - Provides cover not just on a cruise ship but for your entire trip.
• Cruise cancellation or curtailment - Covers cancellation costs if you or a family member suffers from unforeseen medical circumstances.
• Missed departure - If you can’t make your departure due you’re covered financially.
• Cruise interruption - Protects travel expenses incurred to reach the next port in order to re-join the cruise.
• Cabin confinement - Covers losses if you’re confined to your cabin by the ship’s medical officer due to illness.
• Unused excursions protection - This benefit pays out if you miss an excursion because of an accident, injury or illness.
• Missed port cover - Protects you if a planned destination visit is cancelled because of bad weather or timetabling.
• Personal baggage - Covers baggage loss or its contents are lost or stolen.
• Emergency medical treatment costs - Includes emergency helicopter transfers, hospital and ambulance fees, and cover to get home if you can’t use your original ticket. And much more…

Ready to sail?

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Asego provides travel assistance services with Insurance underwritten by an IRDA authorised insurance company. Insurance is a subject matter of solicitation. All Insurance policies are sold under the Corporate Agency of Asego Insurance LLP. bearing IRDAI registration no. CA0776. Insurance based information is the information sourced from the Insurer itself. For detailed information on the product and policy terms and conditions, please read the sales brochure of the respective insurer carefully, before consuming the product. The information provided by the visitors over the web portal is liable to be shared with insurers. We are obliged by the IRDAI rules and regulations.

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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 purchase the Tata AIG travel insurance as part of the add-on services when you book your flight tickets. It is a part of our seamless booking experience.

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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Travel Insurance

Cheapest travel insurance of April 2024

Mandy Sleight

Heidi Gollub

“Verified by an expert” means that this article has been thoroughly reviewed and evaluated for accuracy.

Updated 9:52 a.m. UTC April 11, 2024

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WorldTrips is the best cheap travel insurance company of 2024 based on our in-depth analysis of the cheapest travel insurance plans. Its Atlas Journey Preferred and Atlas Journey Premier plans offer affordable travel insurance with high limits for emergency medical and evacuation benefits bundled with good coverage for trip delays, travel inconvenience and missed connections.

Cheapest travel insurance of 2024

Why trust our travel insurance experts

Our team of travel insurance experts analyzes hundreds of insurance products and thousands of data points to help you find the best travel insurance for your next trip. We use a data-driven methodology to determine each rating. Advertisers do not influence our editorial content . You can read more about our methodology below.

• 1,855 coverage details evaluated.
• 567 rates reviewed.
• 5 levels of fact-checking.

Best cheap travel insurance

Top-scoring plans

Average cost, medical limit per person, medical evacuation limit per person, why it’s the best.

WorldTrips tops our rating of the cheapest travel insurance with two plans:

• Atlas Journey Preferred is the cheaper travel insurance plan of the two, with $100,000 per person in emergency medical benefits as secondary coverage and an optional upgrade to primary coverage. It’s also our pick for the best travel insurance for cruises .
• Atlas Journey Premier costs a little more but gives you $150,000 in travel medical insurance with primary coverage . This is a good option if health insurance for international travel is a priority.

Pros and cons

• Atlas Journey Preferred is the cheapest of our 5-star travel insurance plans.
• Atlas Journey Premier offers $150,000 in primary medical coverage.
• Both plans have top-notch $1 million per person in medical evacuation coverage.
• Each plan offers travel inconvenience coverage of $750 per person.
• 12 optional upgrades, including destination wedding and rental car damage and theft.
• No non-medical evacuation coverage.

Cheap travel insurance for cruises

Travel insured.

Top-scoring plan

Travel Insured offers cheap travel insurance for cruises and its Worldwide Trip Protector plan gets 4 stars in our rating of the best cruise travel insurance .

• Worldwide Trip Protector offers $1 million in emergency evacuation coverage per person and a rare $150,000 in non-medical evacuation per person. It also has primary coverage for travel medical insurance benefits, which means you won’t have to file medical claims with your health insurance first.
• Cheap trip insurance for cruises.
• Offers a rare $150,000 for non-medical evacuation.
• $500 per person baggage delay benefit only requires a 3-hour delay.
• Optional rental car damage benefit up to $50,000.
• Missed connection benefit of $500 per person only available for cruises and tours.

Best cheap travel insurance for families

Travelex has the best cheap travel insurance for families because kids age 17 are covered by your policy for free when they’re traveling with you.

• Free coverage for children 17 and under on the same policy.
• $2,000 travel delay coverage per person ($250 per day) after 5 hours.
• Hurricane and weather coverage after a common carrier delay of any amount of time.
• Only $50,000 per person emergency medical coverage.
• Baggage delay coverage is only $200 and requires a 12-hour delay.

Best cheap travel insurance for seniors

Evacuation limit per person

Nationwide has the best cheap travel insurance for seniors — its Prime plan gets 4 stars in our best senior travel insurance rating. However, Nationwide’s Cruise Choice plan ranks higher in our best cheap travel insurance rating.

• Cruise Choice has a $500 per person benefit if a cruise itinerary change causes you to miss a prepaid excursion. It also has a missed connections benefit of $1,500 per person after only a 3-hour delay, for cruises or tours. But note that this coverage is secondary coverage to any compensation provided by a common carrier.
• Coverage for cruise itinerary changes, ship-based mechanical breakdowns and covered shipboard service disruptions.
• Non-medical evacuation benefit of $25,000 per person.
• Baggage loss benefits of $2,500 per person.
• Travel medical coverage is secondary.
• Trip cancellation benefit for losing your job requires three years of continuous employment.
• No “cancel for any reason” (CFAR) upgrade available.
• Missed connection coverage of $1,500 per person is only for tours and cruises, after a 3-hour delay.

Best cheap travel insurance for add-on options

AIG offers the best cheap travel insurance for add-on options because the Travel Guard Preferred plan allows you to customize your policy with a host of optional upgrades.

• Travel Guard Preferred upgrades include “cancel for any reason” (CFAR) coverage , rental vehicle damage coverage and bundles that offer additional benefits for adventure sports, travel inconvenience, quarantine, pets, security and weddings. There’s also a medical bundle that increases the travel medical benefit to $100,000 and emergency evacuation to $1 million.
• Bundle upgrades allow you to customize your affordable travel insurance policy.
• Emergency medical and evacuation limits can be doubled with optional upgrade.
• Base travel insurance policy has relatively low medical limits.
• $300 baggage delay benefit requires a 12-hour delay.
• Optional CFAR upgrade only reimburses up to 50% of trip cost.

Best cheap travel insurance for missed connections

TravelSafe has the best cheap travel insurance for missed connections because coverage is not limited to cruises and tours, as it is with many policies.

• Best-in-class $2,500 per person in missed connection coverage.
• $1 million per person in medical evacuation and $25,000 in non-medical evacuation coverage.
• Generous $2,500 per person baggage and personal items loss benefit.
• Most expensive of the best cheap travel insurance plans.
• No “interruption for any reason” coverage available.
• Weak baggage delay coverage of $250 per person after 12 hours.

Cheapest travel insurance comparison

How much does the cheapest travel insurance cost?

The cheapest travel insurance in our rating is $334. This is for a WorldTrips Atlas Journey Preferred travel insurance plan, based on the average of seven quotes for travelers of various ages to international destinations with a range of trip values.  

Factors that determine travel insurance cost

There are several factors that determine the cost of travel insurance, including:

• Age and number of travelers being insured.
• Trip length.
• Total trip cost.
• The travel insurance plan you choose.
• The travel insurance company.
• Any add-ons, features or upgraded benefits you include in the travel insurance plan.

Expert tip: “In general, travelers can expect to pay anywhere from 4% to 10% of their total prepaid, non-refundable trip costs,” said Suzanne Morrow, CEO of InsureMyTrip.

Is buying the cheapest travel insurance a good idea?

Choosing cheaper travel insurance without paying attention to what a plan covers and excludes could leave you underinsured for your trip. Comparing travel insurance plans side-by-side can help ensure you get enough coverage to protect yourself financially in an emergency for the best price. 

For example, compare these two Travelex travel insurance plans:

• Travel Basic is cheaper but it only provides up to $15,000 for emergency medical expense coverage. You’ll also have to pay extra for coverage for children.
• Travel Select will cost you a bit more but it covers up to $50,000 in medical expenses and includes coverage for kids aged 17 and younger traveling with you. It also offers upgrades such additional medical coverage, “cancel for any reason” (CFAR) coverage and an adventure sports rider that may be a good fit for your trip.

Reasons to consider paying more for travel insurance 

Make sure you understand what you’re giving up if you buy the cheapest travel insurance. Here are a few reasons you may consider paying a little extra for better coverage. 

• Emergency medical. The best travel medical insurance offers primary coverage for emergency medical benefits. Travel insurance with primary coverage can cost more than secondary coverage but will save you from having to file a claim with your health insurance company before filing a travel insurance claim.
• Emergency evacuation. If you’re traveling to a remote location or planning a boat excursion on your trip, look at travel insurance with a high medical evacuation insurance limit. If you are injured while traveling, transportation to the nearest adequate medical facility could cost in the tens to hundreds of thousands. It may make sense to pay more for travel insurance with robust emergency evacuation coverage. 
• Flexibility. To maximize your trip flexibility, you might consider upgrading your travel insurance to “ cancel for any reason” (CFAR) coverage . This will increase the cost of your travel insurance but allow you to cancel your trip for any reason — not just those listed in your policy. The catch is that you’ll need to cancel at least 48 hours before your trip and will only be reimbursed 50% or 75% of your trip expenses, depending on the plan. 
• Upgrades. Many travel insurance plans have optional extras like car rental collision and adventure sports (which may otherwise be excluded from coverage). These will cost you extra but may give you the coverage you need. 

How to find the cheapest travel insurance

The best way to find the cheapest travel insurance is to determine what you’re looking for in a travel insurance policy and compare plans that meet your needs.

 “Travel insurance isn’t one-size-fits-all. Every trip is different, and every traveler has different needs, wants and concerns. This is why comparison is key,” said Morrow.

Consider the following factors when comparing cheap travel insurance plans.

• How often you’re traveling. A single-trip policy may be the most cost-effective if you’re only going on a single trip this year. But a multi-trip travel insurance plan may be cheaper if you’re going on multiple international trips throughout the year. Annual travel insurance policies cover you for a whole year as long as each trip doesn’t exceed a certain number of days, usually 30 to 90 days. 
• Credit card has travel insurance benefits. The best credit cards offer perks and benefits, and many offer travel insurance-specific benefits. The coverage types and benefit limits can vary, and you must put the entire trip cost on the credit card to use the coverage. If your trip costs more than the coverage limit on your card, you can supplement the rest with a cheaper travel insurance plan.
• The coverage you need. When looking for the best travel insurance option at the most affordable price, only buy extras and upgrades you really need. A basic plan may only provide up to $500 in baggage insurance, but if you only plan to take $300 worth of clothes and accessories, you don’t need to pay more for higher coverage limits.

Is cheap travel insurance worth it?

Cheap travel insurance can be worth it, as long as you understand the plan limitations and exclusions. Taking the time to read your policy, especially the fine print, well before your trip can ensure there won’t be any surprises about what’s covered once your journey begins.

“If a traveler is looking for coverage for travel delays, cancellations, interruptions, medical and baggage — a comprehensive travel insurance policy will provide the most bang for their buck,” said Morrow. But if you’re on a tight budget and are only worried about emergency medical care and evacuation coverage while traveling abroad, stand-alone options are cheaper.

Before buying travel insurance, you should also consider what your health insurance will cover. 

“Most domestic health insurance plans, including Medicare, will not cover medical bills abroad,” said Morrow. Even if you’re staying stateside, you may find value in an affordable travel insurance plan with medical coverage if you have a high-deductible health plan (HDHP). 

A cheap travel insurance plan is better than none at all if you end up in a situation that would have covered some or all of your prepaid, nonrefundable trip expenses.

Methodology

Our insurance experts reviewed 1,855 coverage details and 567 rates to determine the best travel insurance . From those top-scoring travel insurance plans, we chose the most affordable for our rating of the cheapest travel insurance.

Insurers could score up to 100 points based on the following factors:

• Cost: 40 points. We scored the average cost of each travel insurance policy for a variety of trips and traveler profiles.
• Medical expenses: 10 points. We scored travel medical insurance by the coverage amount available. Travel insurance policies with emergency medical expense benefits of $250,000 or more per person were given the highest score of 10 points.
• Medical evacuation: 10 points. We scored each plan’s emergency medical evacuation coverage by coverage amount. Travel insurance policies with medical evacuation expense benefits of $500,000 or more per person were given the highest score of 10 points.
• Pre-existing medical condition exclusion waiver: 10 points. We gave full points to travel insurance policies that cover pre-existing medical conditions if certain conditions are met.
• Missed connection: 10 points. Travel insurance plans with missed connection benefits of $1,000 per person or more received full points.
• “Cancel for any reason” upgrade: 5 points. We gave points to travel insurance plans with optional “cancel for any reason” coverage that reimburses up to 75%.
• Travel delay required waiting time: 5 points. We gave 5 points to travel insurance policies with travel delay benefits that kick in after a delay of 6 hours or less.
• Cancel for work reasons: 5 points. If a travel insurance plan allows you to cancel your trip for work reasons, such as your boss requiring you to stay and work, we gave it 5 points.
• Hurricane and severe weather: 5 points. Travel insurance plans that have a required waiting period for hurricane and weather coverage of 12 hours or less received 5 points.

Some travel insurance companies may offer plans with additional benefits or lower prices than the plans that scored the highest, so make sure to compare travel insurance quotes to see your full range of options.

Cheapest travel insurance FAQs

When buying travel insurance, cheapest is not always the best. The most affordable travel insurance plans typically offer fewer coverages with lower policy limits and few or no optional upgrades. Add up your total nonrefundable trip costs and compare travel insurance plans and available features that cover your travel expenses. This strategy can help you find the cheapest travel insurance policy that best protects you from financial loss if an unforeseen circumstance arises.

Get the coverage you need: Best travel insurance of 2024

According to our analysis, WorldTrips , Travel Insured International and Travelex offer the best cheap travel insurance. Policy coverage types and limits can vary by each travel insurance provider, so the best way to get the cheapest travel insurance plan is to compare several policies and companies to find the right fit for your budget.

A good rate for travel insurance depends on your budget and coverage needs. The most comprehensive travel insurance plan is usually not the cheapest. But cheap trip insurance may not have enough coverage or the types of coverage you want. Comparing different levels of coverage and how much they cost can help you find the best cheap insurance for travel. 

The average cost of travel insurance is between 5% to 6% of your total travel expenses for one trip, according to our analysis of rates. However, you may find cheaper travel insurance if you opt for a plan with fewer benefits or lower coverage limits. How much you pay for travel insurance will also depend on the number of travelers covered, their ages, the length of the trip and any upgrades you add to your plan.

Travel insurance covers nonrefundable, prepaid trip costs — up to the policy coverage limits — when your trip is interrupted or canceled for a covered reason outlined in your plan documents. Even the cheapest travel insurance policies usually provide coverage for:

• Medical emergencies.
• Trip delays.
• Trip interruption.
• Trip cancellation.
• Lost, stolen or damaged luggage.

However, if you’re looking to save on travel insurance, you can shop for a policy that only has travel medical insurance and does not include benefits for trip cancellation .

Even when you buy cheap travel insurance, you can often use upgrade options to customize your policy to meet your specific needs. 

Some common travel insurance add-ons you may want to consider include:

• Rental car damage coverage. 
• Medical bundle.
• Security bundle.
• Accidental death and dismemberment coverage.
• Adventure sports bundle.
• Pet bundle.
• Wedding bundle.
• “Cancel for work reasons” coverage.
• “Interruption for any reason” (IFAR) coverage.
• “Cancel for any reason” (CFAR) coverage .

Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.

Blueprint has an advertiser disclosure policy . The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.

Mandy is an insurance writer who has been creating online content since 2018. Before becoming a full-time freelance writer, Mandy spent 15 years working as an insurance agent. Her work has been published in Bankrate, MoneyGeek, The Insurance Bulletin, U.S. News and more.

Heidi Gollub is the USA TODAY Blueprint managing editor of insurance. She was previously lead editor of insurance at Forbes Advisor and led the insurance team at U.S. News & World Report as assistant managing editor of 360 Reviews. Heidi has an MBA from Emporia State University and is a licensed property and casualty insurance expert.

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Travel Insurance for Parents Visiting the USA from India

P lanning a visit to the USA for your parents can be an exciting and memorable experience. However, amidst all the preparations, one aspect that often gets overlooked is purchasing travel insurance. It is essential to ensure that your parents are adequately covered during their stay in the USA. In this blog, we will address some common doubts regarding travel insurance for parents visiting the USA from India and help you make an informed decision.

Why do you need travel insurance for your parents visiting the USA?

Travel insurance for parents visiting the USA is crucial for several reasons:

• Medical Emergencies: The United States has high healthcare costs, and unexpected medical emergencies can lead to significant expenses. Travel insurance can cover medical expenses, ensuring your parents receive the necessary care without financial burden.
• Trip Cancellation: In case your parents' trip gets canceled due to unforeseen circumstances, such as a family emergency, travel insurance can provide reimbursement for non-refundable expenses like flights and accommodations.
• Lost Luggage: Travel insurance can compensate for lost or delayed luggage, making sure your parents have the essentials they need during their stay.
• Travel Delays: If your parents experience flight delays or missed connections, travel insurance can cover additional expenses like accommodation and meals.
• Emergency Evacuation: In the rare event of a medical emergency requiring evacuation, travel insurance can assist with the associated costs.

Should I Buy Travel Insurance from India or the US?

While it is possible to purchase travel insurance from India, we recommend opting for coverage from the USA. Here is why:

• PPO Network: Many US-based insurance plans offer access to a Preferred Provider Organization (PPO) network. This means your parents can receive medical care at lower rates from a network of healthcare providers, ensuring cost-effective treatment.
• Local Understanding: US-based insurers often have a better understanding of the American healthcare system, making claims and assistance more efficient.
• Visa Requirement: Some US visas, like the J-1 and J-2 visas, may require insurance coverage that complies with specific regulations. Purchasing insurance from the USA helps ensure compliance with visa requirements.

What is the difference between Indian insurance and US insurance?

The primary differences between Indian and US travel insurance for parents visiting the USA are:

Indian Insurance:

• Limited Network: Indian insurance plans may have a limited network of healthcare providers in the USA, potentially resulting in higher out-of-pocket costs.
• Understanding of US Healthcare: Indian insurers may not fully understand the US healthcare system, leading to potential difficulties when seeking medical care.
• Visa Compliance: Some Indian insurance plans may not meet the specific coverage requirements of certain US visas, potentially jeopardizing visa approval.

USA Insurance:

• Network Coverage: US insurance plans often provide access to a wider PPO network, ensuring better healthcare options.
• Understanding of US Healthcare System: US insurers have a better understanding of the American healthcare system, making it easier to navigate.
• Visa Compliance: Some US visas require insurance coverage that meets specific criteria, which is more easily achieved with US-based insurance.

Which travel insurance is best for Indian parents in the USA?

When selecting travel insurance for your parents visiting the USA, consider plans from Visitor Guard® , a reputable provider who has over 20 years of experience in the visitor insurance sector and has helped tens of thousands of travelers who visited the USA. They are also known for their comprehensive coverage and reasonable rates. Here are some recommendations:

Comprehensive Coverage Plans:

• SAFE TRAVEL USA COMPREHENSIVE: This plan offers comprehensive coverage, including medical expenses, trip cancellation, baggage loss, and more. This plan also includes coverage for one episode of an acute onset of a pre-existing condition making it a popular choice for parents visiting the USA from India. It provides peace of mind for your parents during their stay in the USA.
• PATRIOT AMERICA PLUS: Patriot America Plus is a well-regarded insurance plan with comprehensive coverage. It includes medical benefits, emergency medical evacuation, and more. It is a suitable choice for parents looking for extensive coverage.
• ATLAS AMERICA: Atlas America is another robust comprehensive plan. It covers medical expenses, emergency medical evacuation, and other travel-related contingencies. It is a popular choice among visitors to the USA.

Before making a final decision, it is crucial to compare these plans in detail, considering factors like coverage limits, deductibles, network providers, and any specific requirements your parents may have. Additionally, make sure to read the policy documents thoroughly to understand the terms and conditions.

What does travel insurance for parents visiting the USA include?

• Travel Medical Insurance: This forms the cornerstone of the coverage, given the exorbitant healthcare costs in the United States. It encompasses a wide range of medical expenses, including emergency room visits, physician consultations, prescription medications, surgical procedures, diagnostic tests such as X-rays and laboratory work, , and even physical therapy.
• COVID-19 Coverage: Many travel insurance plans now incorporate coverage for expenses related to COVID-19, spanning testing and treatment. Moreover, some policies may extend to cover quarantine-related costs, a particularly relevant inclusion in the current pandemic landscape.
• Emergency Medical Evacuation: This provision accounts for the expenses associated with transporting your parents to the nearest suitable medical facility should a severe illness or injury occur. Additionally, it may also cover the cost of repatriation to their temporary U.S. residence or their home country post-treatment.
• Coverage for Pre-Existing Conditions: While conventional wisdom might exclude pre-existing conditions, certain policies may offer coverage for acute onsets of such conditions, though it is essential to scrutinize the fine print for specifics. Age-related limitations and condition-specific considerations may apply.
• Trip Interruption: Some travel insurance plans incorporate conventional elements of travel insurance, encompassing interruption coverage. This aspect serves to reimburse a one-way ticket to the home country should your parents need to truncate their trip due to covered reasons.
• Travel Delay: Coverage for travel delays caused by circumstances such as flight cancellations or unforeseen events may also be part of the package. This coverage assists in mitigating the additional expenses incurred during prolonged delays.
• Loss, Theft, or Damage to Personal Belongings: While the primary focus lies on medical coverage, certain policies may extend limited coverage for lost, stolen, or damaged personal belongings, encompassing luggage and valuable items.

In conclusion, travel insurance is a must-have for parents visiting the USA from India. It provides peace of mind, financial security, and access to quality healthcare during their stay. When choosing insurance, consider opting for US-based plans like those from Visitor Guard® to ensure comprehensive coverage and compliance with visa requirements. Your parents' safety and well-being should always be a top priority when planning their visit to the USA.

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