travel medical insurance plans india

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• Key takeaways

Do I need travel insurance to visit India?

How much does travel insurance for india cost, what does travel insurance for india cover, what isn’t covered by travel insurance for india, tips for getting the best india travel insurance, india travel information & requirements, faq: india travel insurance, related topics.

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

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

Our top picks for the best india travel insurance

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

Our top picks for travel insurance for India

Seven corners.

AXA Assistance USA

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.

Best Value for Robust Coverage & Medical Emergencies

Why we like it.

• Offers coverage for pre-existing conditions
• Money-back guarantee
• Cancellation & Interruption coverage standard
• Covers action sports & equipment
• Cancel for any reason not included standard
• Must meet waiver for pre-existing conditions to be covered

Best Rated Overall

• Coverage for pre-existing conditions
• Cancelation & interruption coverage
• Offers hurricane and weather coverage

Best for Budget Friendly Travelers

Our official sales figures over the past year show that our customers paid an average of $136.70 for travel insurance to India.

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

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.

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.

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.

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 an experienced writer, specializing in business, culture, and financial guidance for young adults. She has contributed to articles for Varo Bank , Lendzi , MoneyTips and Indeed , providing invaluable insights into budgeting, financial planning, and lines of credit.

As a dedicated self-employed writer, she cherishes the opportunity to share her knowledge and experience with others, offering advice so they can master their bank accounts and secure their financial futures. Her articles, published in CMSWire , Reworked , WalletGenius and The Customer , serve as actionable guides to help people make solid financial decisions.

Prior to her writing career, Imogen honed her financial acumen in management roles, excelling in P&L analysis, budgeting and HR. During her tenure at Smith & Wollensky in London, her strategic contributions contributed to a 2% increase in EBITDA over a year, demonstrating her ability to drive financial performance and organizational success.

Imogen’s writing style combines expertise with accessibility, making complex financial topics easily understandable and actionable. With a focus on the long game, she encourages readers to approach financial matters with enthusiasm and determination.

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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

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TravelAssure Policy Wordings

Find out all you need to know about the plan here

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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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What is travel insurance?

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

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

Features of ICICI Lombard's travel insurance

No medical check-up.

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

Trip cancellation & interruption cover

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

Loss of passport

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

Personal liability cover

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

Reimbursement of non-refundable prepaid payments

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

Advantages of buying ICICI Lombard's travel insurance policy

Medical benefits.

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

Travel benefits

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

Luggage benefits

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

Other benefits

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

24×7 assistance

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

Trip cancellation and interruption

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

Burglary cover for home contents

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

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

Hospitalisation.

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

Lost and delayed baggage

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

Third party liability

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

Emergency cash

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

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

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

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

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

Illness caused due to addiction to alcohol, drugs

Illness such as anxiety, depression

Sickness due to venereal diseases

Sickness caused due to radiation, nuclear weapons & more

Injuries caused due to adventure & other sporting activities

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

Naturopathy treatment, ayurvedic / homeopathic therapies

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

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

Policy documents:

Why should you purchase an online travel insurance plan.

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

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

Types of travel insurance plans in India

Single trip travel insurance.

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

Multi-trip travel insurance

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

Schengen travel insurance

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

Student travel insurance

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

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

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

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

Eligibility criteria for travel insurance plans

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

How to buy a travel insurance policy online?

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

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

Pick the ideal plan that suits your needs.

Pay online using our secure payment gateway.

Get instant cover for your trip abroad.

Additional coverage under travel insurance plans

Repatriation of remains.

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

Hospital daily cash allowance

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

Countries that need an international travel insurance policy

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

How to calculate travel insurance premiums online?

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

Tips to lower your travel insurance premium

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

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

Claim procedure for travel insurance policies

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

Things to consider while buying travel insurance online

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

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

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

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

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

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

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

Our customers have rated us

Ashish Agarwal

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

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

Shoubhik Chakraborty

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

K. Thothathiri

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

Suparna Shankar

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

Sanober Garda

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

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Travel Insurance India

For your holidays in india and abroad.

India is a country known for its colorful festivals, delicious food, and fascinating history. From the towering mountains of the Himalayas to the sandy beaches of Goa, there's so much to explore. But when you're traveling to India, it's essential to make sure you're prepared for the unexpected.

Before you set off on your adventure, here's everything you need to know about travel insurance for India, so you can stay safe and enjoy every moment of your Indian journey!  

What should your Travel insurance cover for a trip to India?   

How does travel insurance for india work.

• Do I need Travel Insurance for India? 

How Much Does Travel Insurance Cost for India?

Our suggested axa travel protection plan.

• What types of medical coverage does AXA Travel Protection plans offer?

Are There Any COVID-19 Restrictions for Travelers to India?

• Traveling with pre-existing Medical Conditions? 

What should your travel insurance cover for a trip to India?

At a minimum, your travel insurance should cover trip cancellation, trip interruption and emergency medical expenses. When it comes to international travel, the US Department of State outlines key components that should be included in your travel insurance coverage. AXA Travel Protection plans are designed with these minimum recommended coverages in mind.  

• Medical Coverage   – The top priority is making sure your health is in order. With AXA Travel Protection, you can have access to quality healthcare during your trip overseas in the event of unexpected medical emergencies.    
• Trip Cancellation & Interruptions  – Assistance against unexpected trip disruptions can dampen the mood, AXA Travel Protection offers coverage against unforeseen events.   
• Emergency Evacuations and Repatriation   – In situations where transportation is dire, AXA Travel Protection offers provisions for emergency evacuation and repatriation.   
• Coverage for Personal Belongings  – AXA offers coverage for your belongings with assistance against lost or delayed baggage.   
• Optional Cancel for Any Reason  – For added flexibility, AXA offers optional Cancel for Any Reason coverage, allowing you to cancel your trip for non-traditional reasons.  Exclusive to Platinum Plan holders. 

In just a few seconds, you can get a free quote and purchase the best travel insurance for India.

Picture yourself trekking through the lush forests of Kerala, enjoying the serene beauty of nature and the chirping of exotic birds. Suddenly, you accidentally step on a hidden rock and sprain your ankle. With travel insurance, you're covered for unexpected medical emergencies, even in India's most remote areas.

If things take a turn for the worse, AXA is available to assist you in devising a strategic plan.

Here’s how travelers can benefit from an AXA Travel Protection Plan:  

Medical Benefits: 

• Emergency Medical Expenses: Should you fall ill or have an accident during your trip, your policy may offer coverage for medical expenses, including hospital stays and doctor's fees. 
• Emergency Evacuation & Repatriation: In case of a serious medical emergency, your policy may include provisions for evacuation to the nearest appropriate medical facility or repatriation. 
• Non-Emergency Evacuation & Repatriation : In non-medical crises (e.g., political unrest), your policy may cover evacuation or repatriation, subject to policy terms. 

Baggage Benefits: 

• Luggage Delay: If the airline delays your checked baggage, your policy might offer reimbursement for essential items like clothing and toiletries. 
• Lost or Stolen Luggage: In the unfortunate event of permanent loss or theft of your luggage, your policy may offer reimbursement for its value, assisting you in replacing your belongings. 

Pre-Departure Travel Benefits: 

• Trip Cancellation: You may be eligible for reimbursement if you cancel your trip due to a sudden illness or injury. 
• COVID-19 Travel Insurance: Coverage is available for trip cancellation and medical expenses related to COVID-19, subject to policy terms and conditions. 
• Trip Delay: If your flight faces delays due to unforeseen circumstances, you may have coverage for additional expenses such as meals and accommodations. 

Post-Departure Travel Benefits

• Trip Interruption: In case of an unexpected event, you could be eligible for reimbursement for the unused portion of your trip.
• Missed Connection: If you miss a connecting flight due to delays or cancellations, this coverage may help with expenses like rebooking fees and accommodations.

Additional Optional Travel Benefits 

• Rental Car (Collision Damage Waiver): Exclusive to Gold & Platinum plan policy holders, this optional benefit gives travelers extra coverage on their rental car against damage and theft. 
• Cancel for Any Reason: Exclusive to Platinum plan policy holders; this optional benefit gives travelers more flexibility to cancel their trip for any reason outside of their standard policy. 
• Loss Skier Days : Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate some costs associated with pre-paid ski tickets that you or your traveling companion cannot use due to specified slope closures. 
• Loss Golf Days: Exclusive to Platinum plan policy holders, this optional benefit offers reimbursement to mitigate the expenses linked to prepaid golf arrangements that you or your travel companion are unable to utilize due to specified golf closures.

Do I Need Travel Insurance for India?

India is a diverse and dynamic country, where travelers may encounter unexpected challenges. While travel insurance may not be a requirement for visiting India, it's highly recommended.

Why? There are several reasons:  

Medical Emergencies : Access to quality healthcare varies across India, and medical expenses can quickly add up in case of emergencies. With coverage for emergency medical expenses, travelers can seek necessary medical treatment without worrying about expensive costs.  

Lost Baggage: Airlines sometimes mishandle baggage, and the last thing you want is to be without your essentials in an unfamiliar place. Travel insurance offers to cover the cost of replacing necessary items, allowing you to continue.  

Lost or Stolen Luggage: India's bustling cities and crowded tourist attractions can increase the risk of theft or loss of belongings. Having coverage for lost or stolen luggage may offer financial assistance for replacing essential items.

In general, travel insurance costs about 3 – 10% of your total prepaid and non-refundable trip expenses. The cost of travel insurance depends on two factors for AXA Travel Protection plans:  

Total Trip cost: The total amount of non-prepaid and non-refundable costs you have already paid for your upcoming trip. This includes prepaid excursions, plane tickets, cruise costs, etc.

Age: L ike any other insurance type, the correlation is rooted in increased health risks associated with older individuals. It's important to note that this doesn't make travel insurance unattainable for older individuals.  

With AXA Travel Protection, travelers to India will be offered three tiers of insurance: Silver ,  Gold , and  Platinum . Each provides varying levels of coverage to cater to individual's preferences and travel needs.  

AXA presents travelers with three travel plans – the Silver Plan ,  Gold Plan , and  Platinum Plan , each offering different levels of coverage to suit individual needs. Given that Indian hospitals often do not accept U.S. health insurance or Medicare, we genuinely recommend travelers to consider purchasing any of these plans, particularly for the crucial coverage they offer for emergency accident and sickness medical expenses.  

The Platinum Plan is your go-to choice if you're looking for extra coverage for India’s experience. "Cancel for Any Reason" offers greater flexibility for those unexpected twists in your travel plans and the "Rental Car (Collision Damage Waiver)" offers assistance when you're out exploring India's stunning landscapes in a rental car.  

What types of medical coverage do AXA Travel Protection plans offer?

AXA covers three types of medical expenses:

Emergency medical: Can cover unexpected events like broken bones, burns, sudden illnesses, and allergic reactions that require immediate medical attention.

Emergency evacuation and repatriation: Can cover your immediate transportation home in the event of an accidental injury or illness.

Non-medical emergency evacuation and repatriation: Can cover evacuation assistance when you must leave a place urgently due to non-medical reasons, such as natural disasters or civil unrest.  

No. Travelers entering India do not need to undergo COVID-19 testing or show proof of vaccination.  

Traveling with pre-existing Medical Conditions?

Traveling with preexisting medical conditions can complicate your plans, but with AXA Travel Protection, we're here to support you during your trip. Our Gold and  Platinum Plans  offer coverage for preexisting medical conditions. The Platinum plan is our highest-offered choice for travelers who want our highest coverage limits and optional add-ons,

What does this mean for you? If you've got a medical condition that's been hanging around, you can qualify for coverage under our Gold Plan , and  Platinum Plan with a preexisting medical condition, so long as it’s within 14 days of placing your initial trip deposit and in our 60 day look back period. We're here to make sure you travel with ease, no matter your health situation.

1.Can you buy travel insurance after booking a flight?

You can buy travel insurance even after your flight is booked.  

2.When should I buy Travel Insurance to India?

It's advisable to purchase travel insurance for your trip as soon as you have made your initial trip deposit (prepaid and non-refundable trip costs.) AXA Travel Protection offers coverage as soon as you purchase your protection plan. We can give coverage against unforeseen events before you leave for your trip. Additionally, our policies offer coverage for preexisting medical conditions and Cancel for Any Reason if you purchase your protection within 14-days of making your initial trip deposit.  

3.Do Americans need travel insurance in India?

While travel insurance isn't required for US citizens visiting India, it's strongly advised. Having travel insurance for your trip to India ensures you're well-covered for any unexpected travel or health emergencies that may arise.  

4.What is needed to visit India from the USA?

U.S. citizens must have a valid passport and either a valid Indian visa or an Overseas Citizen of India (OCI) card to enter or leave India. If visiting as tourists for less than 60 days, U.S. citizens can apply for an eVisa at least four days before arrival.  

5.What happens if a tourist gets sick in India?

If you become sick in India, travelers with AXA Travel Protection can contact the AXA Assistance hotline 855-327-1442. Contact information is typically provided within the insurance documentation. Please ensure to read through your policy details and information.

Disclaimer: It is important to note that Destination articles are for editorial purposes only and are not intended to replace the advice of a qualified professional. Specifics of travel coverage for your destination will depend on the plan selected, the date of purchase, and the state of residency. Customers are advised to carefully review the terms and conditions of their policy. Contact AXA Travel Insurance if you have any questions.  AXA Assistance USA, Inc.© 2023 All Rights Reserved.  

AXA already looks after millions of people around the world

With our travel insurance we can take great care of you too

Get AXA Travel Insurance and travel worry free!

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Speak with one of our licensed representatives or our 24/7 multilingual insurance advisors to find the coverage you need for your next trip.

Travel Medical Insurance

Travel Medical Insurance, more commonly known as travel health insurance, is meant to protect the policyholder when they are travelling abroad for any purpose. Travel health insurance is useful not only for medical emergencies where one may have to get medical help or be hospitalised but also during emergency evacuations or withdrawals overseas. Globally, travel medical insurance is also known as worldwide medical insurance, international medical insurance, or international travel insurance.

What is Travel Medical Insurance

Medical contingencies are never pleasant, no matter where you are. But when you are travelling, any emergency that calls for medical attention or hospitalisation can be even more stressful than at home. This is where medical travel insurance plays an important role in protecting you against any medical emergencies when you are travelling.

Medical travel insurance is a type of travel insurance policy that provides coverage to you in case you are hospitalised due to an illness or accident while on a trip. Without this insurance policy, the medical expenses abroad can be quite high. In such a situation, travel health insurance is a useful plan that provides financial coverage and the ease of availing of medical services during your travels.

You need not necessarily be on a business trip to have medical travel insurance; you should have this cover even if you are on vacation. The policy is meant to make medical services easily available to you without the stress of extensive medical bills in case of an accidental injury or illness during your travels.

Why Do You Need Travel Health Insurance?

Travelling abroad can often be a huge expense in itself, but you may not be able to avoid going on the trip. During your trip, any additional expenses can be a huge financial burden. Hence, here are some crucial scenarios that explain why you need travel health insurance when travelling abroad:

Coverage for illness and sickness : If and when you are diagnosed with a COVID-19 infection during the course of your trip and need to be hospitalised, the medical expenses incurred by you will be covered under the accident and sickness medical coverage feature. Apart from that, if you fall sick, face a medical emergency or meet with an accident that needs you to be hospitalised, these expenses will also be covered. Moreover, if the policy expires during your stay in the hospital, you will be covered until the next 60 days or till the time you are discharged, whichever is sooner.

If you lose your passport or baggage : Losing your baggage or misplacing your passport during a trip is not unheard of. However, travel health insurance can help ease out the mental stress and the financial loss in such a situation. In case of a lost passport, the insurance coverage will compensate the cost for a duplicate or new passport, while some important personal items from your lost baggage can be reimbursed monetarily.

Emergency medical evacuation : Travel insurance can be beneficial if you need to be moved to a hospital when travelling abroad. Not just that, if you need to come back to India for further medical treatment, this too can be covered by your travel health insurance.

Cancellation or delay of flight : A delay or cancellation of your flight can be due to bad weather, some problems with the airline, or any other unforeseen reason. Your travel health insurance policy will reimburse these losses. Also, if you have to cancel your flight due to a family emergency, the cost of the ticket and accommodation booked in advance will be reimbursed by the coverage.

Features of International Travel Health Insurance in India

Travel health insurance plans are very flexible and offer extensive coverage as per your needs. Below are a few salient features that are found in travel health insurance plans in India:

Access to cashless hospitalisation facility : If you are protected by travel health insurance in India and face a medical emergency due to which you need to be hospitalised, you do not have to worry about paying for the expenses from your own pocket. The insurance plan will provide a cashless hospitalisation facility, wherein the medical expenses will be settled by the insurance cover directly with the hospital.

Available for occasional or frequent travellers : A lot of travel health insurance plans can be customised to meet the needs of occasional and frequent travellers alike. Tata AIG’s domestic travel insurance policies are flexible and provide coverage for single trips for occasional travellers as well as multiple trips for regular travellers.

All-day medical assistance : Irrespective of where you are travelling, the insurance policy ensures that you can be covered for 24/7 medical assistance in case such a medical emergency arises.

Types of International Medical Travel Insurance

Travel health insurance can vary according to your needs and your duration of travel. Hence, you can choose from the two types of travel health insurance plans so that you receive adequate coverage on your trip!

Single Trip Travel Health Insurance : If you are making a single trip to another country and need insurance cover for only that trip, then it is referred to as a single trip travel health insurance. The coverage of this type of insurance starts with the trip and ends once you come home.

Multi-trip Travel Health Insurance : A multi-trip travel health insurance is a policy that is generally taken for a year and provides insurance for multiple trips. However, there is a limit on the number of days for each of the trips and can go up to 30 or 45 days.

Family Travel Health Insurance : Our family travel health insurance covers up to 6 family members per policy. Whether you choose a domestic travel insurance policy or an international travel insurance policy, you and your family can be covered under the same plan.

Student Travel Health Insurance : Students travelling abroad for further education can look at Tata AIG's Student Travel Insurance policy. Apart from medical emergencies and illnesses leading to hospitalisation, this plan also covers tuition fees in case of medical emergencies as well as compassionate visits from family members.

Senior Citizen Health Insurance : A senior citizen travel health insurance plan is designed to look after the needs of senior citizens who are travelling abroad. Not only do these policies cover emergency medical expenses, but they also cover emergency medical evacuation and repatriation of remains. For more information, Check Tata AIG's Senior Travel Insurance Plan

Why Choose Tata AIG Travel Medical Insurance?

Tata AIG’s travel health insurance plans are made to offer adequate coverage and convenience when you are on your travels:

Coverage for COVID-19 : If you are travelling abroad and are diagnosed with COVID 19 during your trip, resulting in hospitalisation, the medical expenses will be covered as per the amount in the policy. The policy also reimburses the bookings or tickets unused due to the cancellation or interruption of your trip. Lastly, if an emergency COVID-19 lockdown is imposed in the other country and you are unable to access any transport for your return, your travel health insurance is automatically extended for another 7 days.

Personal accident cover in case of death/permanent disability during the time of travel : If you are injured as a result of an accident during your travels, our travel and medical insurance policy will cover the expenses of personal injuries as well as medical expenses arising out of the injuries. The policy also covers disablement or even death as a result of these accidental injuries.

Affordable international coverage : Our international travel health insurance plans provide coverage against medical emergencies and more for a premium of as much as ₹40.82 per day. Quick and easy policy purchase: You can easily buy a Tata AIG travel medical insurance plan online in a few easy steps. Avoid the hassle of a medical check-up or present loads of paperwork to get insurance coverage during your travels!

Coverage of Travel Health Insurance

An international travel health insurance policy provides coverage to you in the following situations

Medical Illness Treatment : Our travel insurance covers emergency medical expenses. In case of sickness or a contingency that requires hospitalisation, medical attention, or treatment, you will be protected against the losses.

Accidental Death and Dismemberment : Our travel medical insurance plans also offer coverage for situations where you may be affected by injuries while abroad. These injuries or even your death could be a result of a personal accident or if you’re travelling by a mode of transport that meets with an accident.

Emergency Dental Treatment : If you suffer from a dental emergency while on a trip, the treatment is covered under the travel health insurance policy.

Delay or Loss of Check-in Luggage : Your insurance policy will cover the loss of baggage, caused either due to theft, displacement by the mode of transport, or the non-delivery at the destination.

Flight Delays : Any expenses that you may have to incur due to the flight’s delay of more than 12 hours will be compensated by the policy.

Personal Liability : If there is a damage claim legally filed against you by another party for damage to their property or any medical expenses due to accidental bodily injuries, then the travel medical insurance policy can cover these losses.

Exclusion of Travel Health Insurance

When you purchase medical travel insurance online, be sure to read the list of exclusions so that you are not stranded in a difficult situation while travelling:

Travelling against medical counsel : If you travel abroad against the advice of your doctor or before the prescribed waiting period is over, the insurance policy cannot cover the medical emergency arising out of this situation.

Pre-existing illnesses : Any complications arising out of a pre-existing medical condition cannot be covered by the travel health insurance policy. However, in case of a life threatening situation arising from a pre-existing condition, the travel health insurance coverage is capped at $1500.

Consumption of intoxicants : If you face a medical emergency due to the consumption of intoxicants or medication that is not prescribed by a physician, then the insurance policy cannot protect you during this emergency.

War or Civil Unrest : The travel insurance plan cannot protect you from losses arising out of wars, civil unrest, invasion, and other such hostilities.

Sexually Transmitted Diseases : Our travel health insurance policies do not cover Sexually Transmitted Diseases such as HIV/AIDS.

Injuries from intentional self-harm : Any attempt at self-harm leading to injuries cannot be under travel medical insurance.

Alternative treatments : If you choose to get treatment through Ayurveda, Unani or other alternative treatments, then the insurance policy cannot cover these costs.

Adventure sports : Your travel health insurance may not cover accidents or injuries that have occurred due to an attempt at extreme or dangerous adventure sports.

Mental illnesses : Any therapy or treatment for a mental illness such as depression, anxiety, etc., during the trip cannot be covered under the policy.

Overseas Travel Medical Insurance Coverage for Coronavirus (COVID-19)

Tata AIG’s international travel plans offer COVID 19 coverage, which can protect you in the following scenarios:

Medical Expenses due to Accidents & Sickness : You can be easily covered for COVID 19 emergencies under our international travel medical insurance plans. If you are affected by COVID 19 during a trip outside the country and need to be hospitalised for the same, the medical expenses will be covered under the plan. However, there is a limit on the amount for the coverage in the policy.

Trip Cancellation Coverage : If you are covered by a group travel medical insurance, and in case your trip or that of your travel companion or an immediate family member has to be cancelled before commencement due to a COVID-19 infection, the coverage reimburses the non-refundable and the unused amount of the hotel bookings, tickets, etc. But do note that these expenses will only be reimbursed if the bookings were made prior to being diagnosed with COVID-19.

Trip Curtailment/Interruption Benefits : If you have a group travel medical insurance and you, your family, or your travel companion are diagnosed with a COVID 19 infection due to which the trip has to be curtailed or cut short, the insurance cover will reimburse the remaining expenses of the unused bookings and tickets. Even the non-refundable expenses, additional travel, and accommodation will be reimbursed due to curtailment of the trip but is subject to the policy’s sum insured limit.

Automatic Extension Benefit : If you are covered by our international travel medical insurance, then in case of a lockdown in the other country and due to the non-availability of an alternate mode of transport, your policy will be automatically extended by 7 days. However, it is important to understand any terms and conditions under which this feature can come into effect.

Eligibility Criteria for Travel Medical Insurance Policy in India

Depending on the travel policy you choose, you will need to meet certain eligibility criteria to be able to avail of the policy:

In the case of a student travel insurance policy, you will have to be a student between the age of 16 - 35 years, travelling abroad for higher education.

International as well as domestic travel insurance plans are quite flexible and can cover up to 6 family members, including you. The age limit for a family member starts from 6 months of age with no upper age limit.

If you are travelling with non-family members or friends, each person will have to have individual travel insurance.

A senior citizen travel insurance policy is applicable for senior citizens starting from 71 years of age with no upper age limit. There are no restrictions such as medical tests or pre-existing conditions.

Disclaimer / TnC

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

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Why senior citizens travel insurance is must, 1. what does travel health insurance cover.

Tata AIG’s travel health insurance covers emergencies such as sickness and accidents, medical travel assistance or monetary support in case of loss of passport, loss or delay of baggage, personal liability where another individual is hurt and needs medical attention, a hijack cover with a distress allowance, extension of insurance cover.

2. What is the cheapest travel health insurance?

It is important to choose travel health insurance with adequate coverage instead of going for cheap rates resulting in low coverage. With the help of Tata AIG’s international travel insurance calculator, you can get a suitable plan which also provides a COVID-19 cover. The insurance coverage rates are as reasonable as ₹40.82/- per day for international insurance policies and ₹26 for our domestic insurance policies.

3. Which insurance is best for travel?

This will depend if you are travelling within the country, going abroad, travelling solo or with your family. Accordingly, you can choose a domestic or international travel insurance plan. At Tata AIG, we offer different travel insurance plans, such as –

• Domestic Travel Insurance
• International Travel Insurance
• Student Travel Insurance
• Senior Citizen Travel Insurance

Each of these travel insurance plans offers different types of coverage in terms of medical, travel, and baggage emergencies. You can visit our website to easily compare and choose the type of insurance you are looking for.

4. Can you buy just medical travel insurance?

Yes, you can buy only medical travel insurance when you are travelling abroad and want to be protected against medical emergencies. However, a lot of travel health insurance plans also offer protection against other emergencies such as loss of passport or loss or delay of baggage, etc. Therefore, you can also choose from such travel medical insurance policies, which provide more extensive coverage.

5. Does travel insurance cover Covid 19?

Yes, Tata AIG’s travel insurance plans cover COVID-19. However, this benefit is applicable only for international travel.

6. Does family travel insurance cover individuals?

Our travel insurance plans are easily customisable, and you can choose how many family members you would like to include under one plan. If you are travelling on your own, then you can get an affordable travel insurance plan for yourself, at a premium rate of ₹40.82 per day!

7. How much does a travel medical insurance cost?

The cost of your travel medical insurance will depend on factors such as –

• The purpose of your travel
• The type of coverage, etc.

When you buy travel medical insurance from Tata AIG, you can choose from different plans and the extent of coverage. Our travel insurance plans are affordable and start at an affordable premium rate of ₹40.82 per day for our international policies and ₹26 per day for our domestic policies.

8. Which travel health insurance is best for a family?

Tata AIG travel health insurance plans are not only affordable but also easily customisable. When you use our travel insurance calculator, you can choose any of our travel plans, add family members to the plan and ensure adequate coverage for all of them. However, our travel insurance plans offer COVID - 19 coverage only for international travel.

9. Can students take travel insurance?

Yes, we offer student travel insurance plans that cover students between the ages of 16 and 35 years and are affordable and easily customisable. Additionally, if you are unable to complete a semester abroad due to a medical emergency, the travel insurance plan will cover your tuition fees. Also, in case of a medical emergency, you can visit/be visited by your loved ones so that you do not have to be alone in sickness.

10. Which health insurance is best for international students?

As an international student, you should get our student travel insurance plan. Our student travel insurance has been designed, keeping in mind the unique educational needs of students. Our international student travel insurance not only covers COVID-19 and other medical emergencies and loss of luggage but also reimburses tuition fees in case you are compelled to leave your academics or take a long break due to a medical emergency. Additionally, you can customise the plan to cover only the days you are outside the country and not when you are in India.

11. Is travel insurance mandatory for students?

While student travel insurance is not a mandatory cover, it is always advisable and essential to have insurance coverage while travelling abroad for higher education. Having student travel insurance can save you from a lot of hassles in case of a medical emergency such as an accident or an illness. Moreover, apart from the medical emergency coverage, student travel insurance plans also cover loss of passport or baggage to ensure that you do not have to face any inconveniences while travelling for your education. Hence, irrespective of whether it is mandatory or not, you can buy a suitable student insurance plan from Tata AIG and secure yourself!

12. Can I buy travel medical insurance with a pre-existing condition?

Our travel insurance plans only make an exception for pre-existing conditions when it comes to senior citizen travel insurance plans. However, student travel insurance, domestic travel insurance, and international travel insurance do not cover pre-existing conditions.

13. Can I get travel insurance for a one-way trip?

Yes, you can get travel insurance for a one-way trip. However, your plan will have to be customised to provide coverage for the number of days you live outside the city or the country.

14. When should I start my single trip travel insurance?

You can start your single trip travel insurance a day before your trip. By using our travel insurance calculator, you can easily choose the start and the end date of your travel insurance. And if your trip is extended due to an unforeseen reason, we enable an automatic extension of 60 days so that you can enjoy the insurance coverage on your trip.

15. Should you get a single trip or annual travel insurance?

Getting a single trip or annual travel insurance will depend on your frequency of travel. If you are going on a single trip and will not be travelling again for a while, a single trip travel insurance is a good idea. However, annual travel insurance is ideal if you go on frequent tours and trips. With our travel insurance plans starting at ₹40.82 per day for our international policies and ₹26 per day for our domestic policies, you can choose really affordable insurance coverage for yourself.

16. Is travel insurance and health insurance the same?

No, travel insurance is meant to protect you against a series of situations and emergencies that includes but is not limited to medical emergencies while travelling to another city or country, whereas health insurance specifically provides coverage against medical emergencies and the resultant expenses within one’s own country.

17. Can I claim multiple travel insurance?

You can have one travel insurance for every trip you make. Therefore, you cannot file multiple travel insurance claims together.

18. Do Multi-trip travel insurance plans cover Covid?

Yes, all our international travel insurance plans offer COVID - 19 cover, be it single-trip insurance or multi-trip insurance.

19. Am I required to undergo any medical examination prior to buying a plan?

No, our travel insurance plans do not call for a mandatory medical examination before the purchase of the plan. You can instantly avail of insurance coverage and buy a suitable travel insurance plan for yourself. However, only our senior citizen travel insurance plans cover pre-existing illnesses.

20. Can I buy travel medical insurance for my aged parents?

Yes, we offer senior citizen travel insurance plans that are specifically designed for senior citizens and their needs. Our plans also cover pre-existing illnesses and so, you need not worry about insurance coverage being rejected in such a case. You can use the senior citizens’ travel insurance calculator on the Tata AIG website to choose the appropriate coverage for your parents.

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

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

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11 Best Travel Insurance in India 2023

You will find the list of best travel insurance companies in India, things to consider while buying travel insurance and the benefits of having travel insurance.

Table of Contents

Best Travel Insurance for the USA Travel

#1. icici lombard travel insurance.

ICICI Lombard has 360 days of travel insurance, an initial 180 days of policy which can be extended further up to 180 days. The insurance covers for medical assistance and total loss of checked-in baggage including handbags.

ICICI Lombard travel insurance has a cashless hospitalization facility worldwide in tie-up with United Health International (UHI). UHI is the largest and most diverse healthcare companies in the USA.

For availing travel insurance ICICI Lombard does not require you to undergo any kind of medical test up to 85 years of age.

For US Travel, ICICI Lombard has two plans for various trip losses and medical expenses. In both plans, the medical covers are available for $50,000 to $5,00,000.

The policy does not cover

• Any claim due to or arising out of pre-existing medical condition whether declared or undeclared
• Sporting activities
• Travel for naturopathy treatment, ayurvedic/homoeopathic therapies
• Costs incurred relating to rest or recuperation at a spa or health resort

Best ICICI Lombard Travel Insurance Plans

• ICICI Lombard Single Trip Platinum and Gold Plan
• ICICI Lombard Multi-trip Plan
• ICICI Lombard Senior Citizen Plan
• ICICI Lombard Asia Plan
• ICICI Lombard Schengen Plan

What I Liked

• 360 days of extended travel insurance
• NO medical test required up to 85 years of age.
• Refund of part premium in case of no claim and there are more than 30 days to the expiry date

What I Didn’t Like

• Pay premiums for a minimum of 1 week irrespective of the number of days of travel.
• Sub limit of $100,000 per illness or accident (except for platinum plans)

#2. Religare Travel Insurance

Religare covers pre-existing ailments and also allocates a sum of 10% of the sum insured for treatment. Religare travel insurance provides double sum cover (up to $1000K) in case of accidental hospitalization.

The unique non-medical benefit is up-gradation to business class while returning after 5 days of hospitalization.

Best Religare Travel Insurance Plans

• Religare Explore Gold Travel Insurance Plan for single and multi-trip
• Religare Explore Platinum Travel Insurance Plan for single and multi-trip
• Coverage for pre-existing ailments
• Maximum trip duration of 365 days
• Additional sum insured up to 100% for accidental hospitalization
• No upper age limit
• No Emergency Cash advance
• No Hijack distress allowance
• Various sub-limits for medical expenses

Cheapest Travel Insurance for Schengen Visa

#3. bharti axa travel insurance.

Bharti AXA travel insurance has a worldwide presence in 130+ countries. Plus a 24 X 7 claim assistance and strong customer support through Bharti Assist Global for all insurance-related matters.

Bharti AXA does not require you to undergo any medical check-up to 70 years. You would get an option to choose from three Schengen travel insurance plans which cover all the 26 Schengen countries.

Schengen Product Plans

Medical expenses include repatriation and emergency medical evacuation.

Daily allowance in case of hospitalization is for a maximum of 7 days.

Compassionate visit – Round trip and stay expenses of the immediate family member to visit the insured if hospitalized for more than 7 consecutive days.

• Cosmetic surgery
• Performing professional and risky sports
• Medical expenses due to unproven treatment
• Treatment that could be delayed until return.

Bharti AXA Travel Insurance Plans

• Bharti AXA Smart Traveller Worldwide Travel Insurance Policy
• Bharti AXA Smart Traveller Schengen Travel Insurance
• Bharti AXA Smart Traveller Annual Multi-trip Insurance
• Bharti AXA Smart Traveller Single Trip Insurance

All the travel insurance plans are offered for individuals and families.

• Worldwide presence and 24 x 7 global assistance
• No Emergency Cash advance & Outpatient care cover
• No Political risk and catastrophe evacuation

#4. Reliance Travel Insurance

Reliance travel insurance offers cashless hospitalization worldwide. The travel insurance is issued instantly with no medical checkup. However, Reliance does not cover claims arising out of non-disclosed and non-declared pre-existing medical conditions.

Benefits of Reliance Schengen Travel Insurance

Medical expenses include transportation, evacuation and repatriation of mortal remains.

In case of a total loss of checked-in baggage, the maximum amount payable per checked in baggage of the applicable sum insured

• More than 1 bag – 50%
• One checked in baggage – 100%
• Per item in baggage – max 10%

Please note that the cover for the compassionate visit is applicable only when the insured is hospitalized for more than 7 consecutive days.

• Claims arising out of non-disclosed and non-declared pre-existing medical conditions.
• Expenses incurred if travelling against the advice of a physician, receiving or are on a waiting list for specified medical treatment.
• In case loss of checked-in baggage, no partial loss or damage shall be payable

Best Reliance Travel Insurance Plans

• Reliance Standard Travel Insurance Policy
• Reliance Silver Travel Insurance Policy
• Reliance Gold Travel Insurance Policy
• Reliance Platinum Travel Insurance Policy

Reliance has specific travel insurance plans for students, senior citizens and frequent travellers.

• Instant travel policy with no medical checkup.
• Cashless hospitalization Worldwide
• The minimum age for insurance – 3 months and maximum age – 90 years

What I Didn’t Liked

• Does not cover for daily allowances in case of hospitalization
• Travel baggage loss not covered

You may also like to read – Best term insurance in India

#5. Future Generali Travel Insurance

Future Generali offers global travel protection with customized plans and 24 x 7 toll – free worldwide emergency assistance.

The customized travel insurance plans include a specially designed plan for travel to Asian countries (excluding Korea and Japan) and European countries on Schengen Visa.

Future Generali is the only insurer who provides medical advice over the phone and dispatches essential medicine that is not available locally.

The medical tests are waived off if there is no adverse health declaration on the proposal form. Future Generali allows for an automatic extension of the travel insurance for 7 days.

Travel Insurance Coverage

Medical expenses include medical evacuation and repatriation of remains.

In case of the loss of checked-in baggage the per baggage cover is maximum 50% and for per item maximum 10%.

• Pre-existing diseases and complications
• Pregnancy, resulting childbirth, miscarriage, abortion or complication arising out of any of the foregoing disease
• Loss or damage to your passport as a result of the confiscation or detention by customs, police or any other authority

Best Future Generali Travel Insurance Plans

• Future Generali Schengen and worldwide Travel Insurance
• Future Generali Overseas Travel Insurance Plan
• Future Generali Student Travel Insurance Plan
• Automatic extension of the travel insurance for 7 days
• Medical advice over the phone
• Dispatches essential medicine that is not available locally.
• Lower amount (EUR 50) for compassionate visit.
• Accidental death (common carrier) and hospital allowance not covered

Best International Travel Insurance (Overseas)

#6. sbi general travel insurance.

SBI general insurance has medical cover up to $500,000. However, it covers only those medical expenses which are primarily in the nature of an emergency.

Further, SBI does not cover if you are travelling against medical advice or have a pre-medical condition or are travelling to get involved in adventure sports.

The insurer provides a free automatic extension for 7 days for delays due to public transport services. Further, the extension of travel insurance is permissible for a maximum of 180 days with a condition that the overall trip duration is not more than 270 days.

SBI is the only insurer with unique cover paying for a Bail bond and for Golfers hole-in-one.

• Any claim where the insured person is travelling against the advice of a Physician or is receiving or waiting to receive treatment
• No claim is admissible if arising from war, hostilities and situations of military or usurped power.
• No claim is paid arising from participation in winter sports, mountaineering, riding or driving in races, caving or potholing, hunting, skew diving or for underwater activities, rafting or canoeing, yachting or boating outside coastal waters.
• SBI travel insurance also does not cover for participation in professional or other hazardous sports unless specifically covered as an extension of the policy.
• The insurance policy does not cover medical expenses arising out of a pre-existing disease.

Best SBI General Travel Insurance Plans

• SBI General’s Travel Insurance Policy for business and holiday
• Automatic extension for 7 days
• Travel insurance also has cover for a bail bond
• $200K personal liability cover
• Does not have separate insurance for dental treatment and accidental death (common carrier)
• No compassionate visit and return of minor child coverage

#7. TATA AIG Travel Insurance

TATA AIG travel insurance is the only insurer which pays you for the unauthorized usage of a lost payment card, up to 12 hours of reporting.

The insurer does not cover pre-existing conditions or any complications arising from it. In a life-saving unforeseen emergency condition, TATA AIG would reimburse up to $1500 per policy.

The insurance plan also covers bounced bookings of hotels and airlines.

However, TATA AIG has various sub-limits for medical expenses for persons aged 56 years and above. Like max $10,000 for surgery, max $400 for an ambulance, max $3000 per day for up to 7 days for ICU, etc.

TATA AIG waives off the above sub-limits on paying an additional premium.

The medical expense includes medical evacuation and repatriation of remains. In the case of hijack, the maximum cover is of $500.

In the case of flight delays, the maximum cover is of $100.

• When the person is travelling against physician advice or is travelling to obtain treatment
• Any pre-existing conditions

Best TATA AIG General Travel Insurance Plans

• TATA AIG Travel Guard Silver Insurance Policy
• TATA AIG Travel Guard Silver Plus Insurance Policy
• TATA AIG Travel Guard Gold Insurance Policy
• TATA AIG Travel Guard Platinum Insurance Policy

Tata AIG has travel insurance plans for students and Senior citizens, for Asia travel and domestic travel.

• Up to $500K of personal liability cover
• $2000 covers for fraudulent charges on the payment card
• Cover for bounced airline and hotel booking
• No separate cover for a compassionate visit
• Various sub-limits for medical expenses for persons aged 56 years and above.

#8. IFFCO Tokio Travel Insurance

The best thing about buying travel insurance from IFFCO Tokio is that you can pay through cards, net banking and even Paytm wallet.

The insurer provides 20 days of hospitalization allowances which are highest in terms of the number of days covered. However, IFFCO Tokio does not cover pre medical conditions.

Hospital daily allowance is for 20 days

• Traveling against the advice of a physician or traveling for treatments
• Pre-existing medical conditions
• Damages to checked-in baggage
• Losses related to participation in high-risk sports or training involving un-professional trainers.

Best IFFCO Tokio General Travel Insurance Plans

• IFFCO Tokio Gold 500 Travel Insurance Policy
• IFFCO Tokio Gold 250 Travel Insurance Policy
• IFFCO Tokio Gold 100 Travel Insurance Policy
• IFFCO Tokio Silver Travel Insurance Policy
• IFFCO Tokio Bronze Travel Insurance Policy
• 20 days of hospitalization allowances
• Payment for buying a policy can be done through Paytm.
• No cover for flight delays, trip cancellation and missed flights
• Hijack allowance and financial emergency assistance only with Gold 500 plan

#9. HDFC Ergo Travel Insurance

HDFC Ergo travel insurance has a wide range of travel insurance policies covering medical expenses for $30,000 to $500,000.

HDFC Ergo covers 8 Lac+ cashless hospital network worldwide and has partnered with Allianz Worldwide for travel assistance.

Is the only insurer with contingency travel benefits of up to $3000.

Please note that the medical expenses includes medical evacuation and repatriation. Hospital cash cover is maximum $150.

Further, the hijack allowances are maximum of $525 for Titanium & Platinum and $450 for other categories. Plus flight delay cover is maximum of $120.

• Pre-existing illness or ailments mentioned in the health report.
• Traveling against the advice of a physician or for obtaining treatment
• Dangerous sports
• Pregnancy resulting childbirth, miscarriage abortion or any other complication
• Children below the age of 5 years are not covered for diseases like mumps, chickenpox, measles, whooping cough, meningitis, etc.

Best HDFC Ergo General Travel Insurance Plans

• HDFC Ergo Titanium Travel Insurance Plans
• HDFC Ergo Platinum Travel Insurance Plans
• HDFC Ergo Gold Travel Insurance Plans
• HDFC Ergo Silver Travel Insurance Plans
• HDFC Ergo Bronze Travel Insurance Plans
• Contingency travel benefits up to $3000
• Up to 200K of personal liability
• Sub-limits for medical expenses for persons in the age group 61 to 70 years
• No cover for the compassionate visit

#10. Bajaj Allianz Travel Insurance

Bajaj Allianz is the only insurer with unique Travel Ezee automatic claim settlement services.

Where instead of individuals initiating any claim, Bajaj Allianz itself, tracks certain claim event like the delay of flights then informs the person and credits claim amount.

The medical expense includes medical evacuation and repatriation of remains except for Maximum plan where repatriation cover is for $6500.

• Travelling against the advice of a physician or for obtaining treatment

Best Bajaj Allianz Travel Insurance Plans

• Bajaj Allianz Travel companion Insurance with three Plans – Travel care, Travel secure and Travel value.
• Bajaj Allianz Travel Elite Insurance with three Plans – SIlver, Gold and Platinum
• Bajaj Allianz Travel Prime Insurance with five Plans
• Travel Ezee automatic claim settlement services
• Highest medical expenses cover of 10 Lac USD in Maximum Travel Prime plan.
• No cover for compassionate travel.

Best Domestic Travel Insurance in India

#11. apollo munich travel insurance.

The best part of Apollo Munich is a cashless benefit of pan India Apollo hospital and Apollo pharmacy networks in case of medical assistance while travelling abroad.

• Treatment of any illness even if caused by accidents, unless necessitated to maintain life and relieve pain.
• Dental treatment unless necessitated by an accident
• Partial loss of checked in baggage
• Any pre-existing condition declared or not declared or any complication arising from it.

Best Apollo Munich Travel Insurance Plans

• Apollo Munich Easy Domestic Travel Insurance
• Access to a network of Apollo hospitals and Apollo pharmacy.
• Rs. 5 Lac of Personal accident cover
• Pre-existing medical conditions not covered

10 Benefits of Travel Insurance

#1. medical expenses (accident or sickness).

Travel insurance covers expenses for medical assistance and hospitalization that will be helpful in case of sudden illness or injury on a trip abroad.

#2. Personal Accident Cover

Travel insurance compensates medical expenses in the event an accident that results in death or permanent disability.

#3. Baggage Loss or Delay

Travel insurance bears the approximate cost of goods if the checked-in baggage is lost by the airline. The cover commences from the time the check-in baggage is handed to the airlines and ends when you collect the bag at the airport.

The insurer pays you a fixed allowance in case of delay in receipt of check-in baggage. The delay should be for more than 6 hours for domestic and 12 hours for the international location from the arrival of the plane.

#4. Trip Delay or Cancellation

Under travel insurance, the insurer reimburses the expenses incurred if the trip is delayed for more than 8 hours re-scheduling of flights.

The cancellation covers official cancellation charges and additional transportation expenses incurred for returning back to India. Cancellation can be due to natural peril, death or hospitalization of the person insured or of an immediate family member.

#5. Passport Loss

The insurance company reimburses the actual expenses incurred for obtaining a duplicate or the fresh passport.

#6. Emergency Medical Evacuation

You get cover for the cost incurred for an ambulance or any other emergency transportation in case of illness or injury on a trip abroad.

#7. Missed Connecting Flights

Covers in case of failure to access the connecting flight, arising due to delayed arrival of the earlier flight. This can be due to reasons beyond the control of the person insured.

#8. Emergency Cash Advances

Covers financial emergency due to accidental loss of money during the trip. The insurance is in the form of a fixed daily allowance.

#9. Repatriation of Mortal Remains

In case of unfortunate death, the travel insurance covers the cost of transporting the dead body back to the country of residence. The insurance also covers the amount equivalent to a local burial or cremation where the death has occurred.

#10. Compassionate Visit

The insurance covers the cost for the visit of an immediate family member in the event of being hospitalized for more than 5 days.

Things You Should Consider While Buying Travel Insurance

#1. covers for pre-existing medical conditions.

Disclosing pre-existing is helpful while taking travel insurance.

So if you or any member of the family is looking for a foreign trip on a pre-existing medical condition check the insurer who has coverage for specific medical conditions.

#2. Limits on Trip Duration

One should know the travel need like a single visit or a frequent visit. Also travelling solo or with the family affects the insurance requirements.

Travel insurance policies are of three types

• Single Trip travel insurance for occasional travel with less than 6 months of coverage.
• Multi-trip travel insurance for frequent visit. The policy gives an annual cover and premiums are higher and are required to be paid each year. However, under a multi-trip plan, every single trip is capped at 30 to 90 days of the visit.
• Family travel insurance is a floater policy having the benefit of global travel insurance for the entire family.

#3. Level of Cover for Adventure Activity

This is especially important if you are going to take part in adventure sports such as sky diving, bungee jumping, river rafting or scuba diving while travelling abroad.

Check for travel insurance which covers for such activities. Certain insurers may clearly exclude such activity or may charge an additional premium.

#4. Individual Claim Limits

Certain claims have predefined amount limits like loss of baggage, wallet, missed flights and cancelled flights.

Do check individual payout limits for each item separately. If required you can avail separate insurance for those items.

#5. Cover for Loss of Personal Belongings

The insurer expects that you take proper care of your belongings and thus covers only accidental losses and theft. In the case of negligence, the insurer may refuse the claim.

#6. Travel Destinations

The different destination has a different level of perceived risk and hospitalization costs. Like healthcare is costly in the USA, UK and Australia compared to countries in the middle east or southeast region requiring larger insurance amount. Requiring you to pay a higher premium.

Likewise, if you are travelling to destinations prone to natural disasters or socio-political volatilities, then a higher premium is charged.

Do remember to check the excluded destinations. Yes, insurers do not cover all foreign locations under travel insurance.

#7. Background of the Insurance Company

Before finalizing the travel insurance do check the solvency of the insurer. Also, consider insurance company who can provide additional benefits in terms of free support in a foreign country and free cover for children, etc.

When Should You Buy the Best Travel Insurance in India

For regular domestic travel to cities, you may not require travel insurance.

But when you are travelling to a hill station or engaging in risky adventure sports like hiking, scuba diving, skydiving, bungee jumping or trekking then surely you need to buy travel insurance irrespective of whether you are travelling in India or abroad.

The few occasions where you can think of skipping travel insurance are

• When your premium credit card offers travel insurance or specific travel coverage
• If the airline covers loss of baggage, delayed arrival, flight or trip cancellation
• If you have a global  healthcare insurance plan  to bear all the medical expenses.

All the plans have some unique offerings if I had to pick then I would have purchased TATA AIG travel insurance plans.

Reason being that it also gives $2000 covers for fraudulent charges on payment card which is valuable in case of card getting compromised while abroad.

I talk about saving & investing money. You would love my articles related to Credit Cards, Travel, Shopping, Tax Saving. I share transparently how I am making passive income from multiple sources online.

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What is Travel Insurance

Travel insurance plans cover various kinds of situations such as hospitalization due to Covid-19, loss of check-in baggage or delay in check-in baggage, flight cancellations and any other unpredictable circumstances. Thus, whatever is the purpose of your trip: leisure or business related; invest in Royal Sundaram’s travel insurance policy, so that any financial loss you may incur is covered. A travel insurance policy is a vital document that you carry with you when you travel. You buy it depending on the dates you are traveling on so that you can enjoy your journey without any problems. You should choose a policy depending on the requirements and budget of your trip and if you are traveling single or in a group. Royal Sundaram offers various plans to choose from so that you and your family or friends remain safe. It is very simple to select the best policy for you as all the information is available online, and if you have any questions or concerns, we are happy to provide you with the support required.

Types of Travel Insurance in India

There are different types of travel insurance available focused on the needs and goals of your trip. They are detailed so that each step of your journey is covered, as financial security is the main priority of the travel insurance plan.

Single Trip Travel Insurance

Senior Citizen Travel Insurance

The Multi Trip Travel Insurance

Student Travel Insurance

Benefits of Buying Travel Secure Insurance Policy

Royal Sundaram offers multiple types of travel insurance plans, depending on the type of trip you are planning, be it a single trip, a multi-trip package or a student trip abroad. Each plan comes with its own unique benefits, making Royal Sundaram one of the most trustworthy and versatile travel insurance products in the market today

Why Choose Royalsundaram's Travel Secure Insurance policy?

Your search for high quality overseas travel insurance stops here.

Travel related risks while you are in a foreign country, like an accident abroad, loss of travel documents, hospitalization due to sickness/accident can turn out to be quite disturbing and at the same time expensive. Besides the protocol and procedures to be followed in the respective country and the corresponding anxious moments and unnecessary worries it can have on the traveller, it can also give a considerable financial burden.

Royal Sundaram brings to you “Travel Secure”, which is a comprehensive Travel Insurance Plan which offers holistic travel insurance solutions to every discerning traveller.

Features of Travel Secure Insurance Policy

Coverage from country perspective.

Coverage is available for travel to countries for which a valid visa has been obtained. From a country perspective, we have classified our coverage under the following options

❖ Worldwide including Americas (Americas include North, Central, South America and Canada. Option to include Schengen countries)

❖ Worldwide excluding Americas (Option to include Schengen countries)

❖ Asia* (excluding Korea and Japan )

(* Coverage to Korea and Japan shall be available under Worldwide including/excluding Americas category)

Why You Need to Buy Travel Secure Insurance Policy?

• Medical Treatment Costs are High Abroad
• Covering Loss of Baggage
• Susceptible to Loss of Passport
• If you Miss your flight Quite often
• Business man Who travel Quite often

In reality anyone who is traveling abroad needs travel insurance, since medical treatment costs nearly 3 to 4 times higher in foreign countries. It is very common to have baggage displaced by airlines, around 20 million baggage are misplaced every year. If you are not aware of your destination, you might be susceptible to a travel scam and face loss of passport or personal items. Therefore, Royal Sundaram’s Travel Secure Insurance Policy is a necessary investment for the future.

Due to the Covid-19 pandemic, lockdowns were imposed and people could not travel for more than two years. Even if they did choose to travel, there was risk associated such as getting diagnosed with covid-19 and being hospitalized. If one does not have travel insurance, then the medical expenses they would acquire would be a lot. Also, if you are a student studying abroad but need to come back home since your parents are ill. If you have Royal Sundaram’s Travel Secure insurance, then it would pay for your airfare as well as reimburse unused expenses such as accommodation fees. If you are a businessman and have multiple trips planned in the year then it would be advantageous for you to buy Royal Sundaram’s Travel Secure insurance as that would provide support in case of flight delay, missed connection and much more.

What's Covered in Royal Sundaram's Travel Secure Insurance Policy?

Royal Sundaram offers coverage for many scenarios, as listed below:

Medical Expenses

In case there is a medical emergency such as you fall sick or meet with an accident then travel insurance plans offer coverage for it. If you require medical evacuation to the nearest hospital or need to be evacuated back to India, then the Royal Sundaram's Travel Secure policy covers that as well.

If you are a student and your education is interrupted because a family member is sick, then we will reimburse the unused tuition fee.

Travel Inconvenience Benefits Loss of checked in baggage Unfortunately, it is a common occurrence for the baggage to be delayed or sent somewhere else by mistake. However, you don't need to worry as Royal Sundaram's travel secure insurance plan will recover the cost of the missing items until your luggage reaches you as specified under the policy In case your baggage is lost or stolen which is a difficult situation to be in, however the policy can provide you support for that as well. There will be reimbursement offered for the items in the baggage, the limit would be subject to conditions in the policy. Loss of passport An unpredicted circumstance such as a loss of passport can occur, which would disturb your trip as obtaining a passport abroad is difficult. However, Royal Sundaram's plans offer coverage for these situations such as covering the expenses for a new passport. Personal Liability The plan also covers personal liability, where if you are involved in an accident and someone else is injured, the policy will cover the expenses for the damages to the third-party. Also, the policy will not cover the family members or other people who live with you. Hijacking benefit Under Hijack Help, the plan offers distress allowance in case the flight you are on is hijacked. If your flight is delayed due to the weather or other reasons for more than 12 hours and you need to stay at a hotel or incur other additional expenses, the policy offers coverage for that

Covid-19 coverage.

Under Accident & Sickness Medical Expense, if the policyholder and/or beneficiaries are diagnosed with covid-19 outside the Republic of India and hospitalized for treatment, then there is compensation for medical expenses. It offers compensation up to the limit mentioned in the policy.

Automatic Extension covers if a lockdown is imposed while traveling and no mode of transportation is available. Then Royal Sundaram will automatically extend the policy for 7 days.

Eligibility Criteria for Travel Secure Insurance Policy

- To be eligible for Leisure, multi trip and Asia travel insurance plans you should be 18 years or above

- The minimum entry age is 18 and the maximum entry age is 70 years from the start of the policy. For children, the minimum entry age is 91 days

- There is a separate plan for Senior citizens in which the minimum entry age is 71 years and no maximum entry age

- For the Student travel insurance plans, the minimum entry age is 12 years and the maximum entry age is 40 years from the start date of the policy

Things to Consider While Buying Travel Secure Insurance Policy Online

• The ease at which an Insurance can be bought - Buying Travel Secure online can be done in 5 minutes. This will ensure that you do not miss an important step of your journey.
• Travel Secure Insurance buying process is simplified - Choose the plan based on the places that you are travelling to, input the dates and the Sum Insured and then proceed to buy the Insurance.
• The duration of your trip will have the most influence on the travel insurance plan you choose at Royal Sundaram. If you are traveling to many places in one year, it is better to go with the multi trip plan as it would save money as well and provide several benefits. If you are only going for one trip alone in a year, but for many days then you can opt for a single trip plan.
• In light of the recent pandemic, increasing digitalization of services and for the sake of better convenience, choosing to buy travel insurance online is definitely a better option. Not only can you read about the product details and select a suitable plan online on Royal Sundaram’s website, read reviews and make more informed decisions when going the online route. The most useful aspect is after filling the policy online, you will receive the policy instantly through email. What’s more? There’s also a premium calculator online, that allows you to plan your policy purchase by helping you understand how much premium you will have to pay based on your sum insured and plan opted.

Travel Secure Insurance claim procedure – When your flight takes off leave your claims worries behind. Just call us on 1860 258 0000 / 1860 425 0000

Frequently Asked Questions on Travel Insurance

The premium payable shall be based on your age, country of visit and number of days of travel. The applicable premium shall be remitted as a single payment. Please refer to the ‘Plans & Premium’ section for the complete premium grid.

Cover under Travel Secure is available on an Individual basis and not on Family Floater basis.

Cover commences from the time the insured person boards the conveyance to leave for onward overseas journey or the Contracted Departure Date as per the policy whichever is later, subject to receipt of premium by us.At the time of taking the policy, customer should be in India.

<p>You would get the policy terms and conditions together with a certificate detailing the insurance coverage details. This will be emailed to you, as soon as you purchase the policy. Soft copy of the policy document is sufficient for you to make a claim.</p>

• The rates are subject to change based on IRDAI's approval.
• The rates can be increased or decreased depending on extent of currency fluctuation. The current pricing is within the range of 61-70 (Rupee to Dollar value)
• For every 5% variation in this range at the end of every quarterly period to the base rate filed, the prices will be increased or decreased by 3%. If the fluctuation remains within this range i.e. Rs,61 – Rs.70 then, no change in premium pricing is proposed. If the threshold is breached on the lower or on the higher side by 5%, then the premium rates will be increased/decreased by 3%. In case of any rate correction with the above formulae, it will be published on our website.
• To give an example, if on 1.4.2016, if the USD to INR rate is Rs.61 and on 30.6.2016, the conversion rate goes up to Rs.73, which is a 4% increase from the Rs.70 higher range threshold, then there will be no increase in the rates. If on 30.9.16, if the rate goes up to Rs.75, then the increase is 7% which will call for a 3% increase in the rates wef 1.10.16. If on 31.12.16, if the rate goes down to Rs.64, then rates will revert to their original position which is a 3% decrease from the current rate. If on 31.3.17, the rate goes down further to Rs. 56, which is 8% decrease from the lower range threshold of Rs. 61, there will be a 3% decrease in prices.

<p>A policy issued under Leisure plan can be extended based on request much prior to the expiry of the policy. Subject to no claim having been reported and confirmation of good health by the insured person, the company will inform the additional premium applicable which will be difference between the premiums applicable for the total extended period less the premium already paid. Upon receipt of premium prior to expiry of the period specified in the policy, company will issue an endorsement extending the policy up to the permissible extended period. The maximum number of days that can be covered including extension shall not exceed 360 days in respect of Leisure Plan.</p>

Cancellation of policy by the Insured Person may be done only in the following cases,

• where a journey is not undertaken and only on production of the Insured Person’s passport as a proof that the journey has not been undertaken. Any request for cancellation will be entertained up to 14 days after the first day of insurance as indicated in the schedule of the policy subject to a deduction of Rs.250/-
• In case of an early return of the insured person under this policy prior to expiry of the policy period the company will refund premium as per the following structure. No refund of premium or part thereof will be allowed if any claim has been made under the policy before invoking cancellation request.

The Insured Person has to produce the Passport as proof of the Trip Days undertaken during the Policy Period. The Company may also cancel the Policy on grounds of misrepresentation, fraud, non-disclosure of material fact relating to this insurance of the insured or non-cooperation by the insured by sending seven days’ notice in writing by Registered A/D to the insured at his last known address in which case the Company shall not refund to the insured any portion of the premium.

Free look provision is applicable only in respect of an annual multi trip policy and annual student policy. At the inception of the policy, provided the trip has not commenced, insured will be allowed a period of 15 days (30 days for Telesales, Online and Web aggregators) from the date of receipt of the policy to review the terms and conditions of the policy and to return the same if not acceptable. Insured will be entitled to the following, provided no claim has been reported, settled or lodged for the period the policy has been in force:

• A refund of the premium paid less stamp duty charges or;
• Where the risk has already commenced and the option of return of the policy is exercised, a deduction towards the proportionate risk premium for period on cover or;
• Where only a part of the risk has commenced, such proportionate risk premium commensurate with the risk covered during such period.

However, please note free look is not applicable in the case of renewals. Free look cancellation as per provisions of Health Regulations.

<p>Afghanistan, Myanmar (Burma), Democratic Republic of Congo, East Timor, Eritrea, Iran, Iraq, Liberia, Libya, North Korea, Rwanda, Sierra Leone, Somalia, Sudan, Syria, Yeman, Congo, Republic of (Brazzaville), Timor-Leste (East Timor), Zaire , Pakistan The list of declined countries may undergo change from time to time depending on the geo-political situation in the respective country. Any revision to the country list shall be updated on our website every quarter.</p>

<p>Yes. The product / plan may be withdrawn at any time subject to IRDAI’s approval, in which case a notice to the Proposer shall be sent 3 months prior to expiry of policy, at the address recorded / updated in the policy. When the policy is withdrawn, the product / plan shall not be available for renewal at the due date. However, the cover under such policy shall continue till the expiry date shown in the schedule of the policy. In the event of withdrawal of a product, Company shall offer similar alternative product from its currently marketed product suites.</p>

Travel Insurance Plan Terms and Conditions:

We request you to carefully read and understand the Terms and Conditions, before you buy the travel insurance policy. All claims are processed strictly according to it. Please speak or chat with our Customer Support Team, if you need any clarification. Travel Policy - 8879210052/8879210050/9167994592.

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Insurance is the subject matter of solicitation. Royal Sundaram General Insurance Co. Limited. All Rights Reserved. IRDA Registration NO. 102. Granted on October 23, 2000. Registered Office: No. 21, Patullos Road, Chennai - 600 002. CIN : U67200TN2000PLC045611

Royal Sundaram customers are requested to remit the premium by way of cheque, demand draft(drawn in favour of Royal Sundaram General Insurance Co.Limited) or any other approved banking mode. Customers are requested to avoid payment of premium by cash as far as possible. For any clarifications Please call us on 1860 425 0000

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Travel insurance secures your trip against unexpected medical and non-medical emergencies, loss or delay in checked-in baggage, etc. Here are some important benefits of travel insurance:-

• Emergency hospitalisation on a cashless network including OPD expenses
• Medical evacuation and return to India in an emergency
• Coverage for Pre-existing disease
• Separate plans for Asia, Europe, USA/ Canada or anywhere globally

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• Home / Travel Insurance
• Secure your Trip with Travel Insurance
• Travel Insurance Plan at Glance
• Why Choose Care Travel Insurance
• What is Covered by Travel Insurance
• Types of Travel Insurance
• Travel Insurance Eligibility
• How to Buy Travel Insurance Online
• Documents Required
• Travel Insurance Claim Process
• How to Calculate Travel Insurance Premium

Difference between Travel and Health Insurance

• Travel Insurance Related Terms

Secure Your Trip with Travel Insurance

Good travel insurance should be the most essential item on your travel checklist if any trip is on your calendar this year. You must never forget that it is crucial to secure your overseas journey regardless of your reason for travel, be it a business trip, a planned vacation or higher education.

Whether you fall sick, get injured, or lose your belongings, travel insurance from Care Health Insurance can help you easily manage any mishaps encountered along the way!

Care Health Travel Insurance offers different plans based on your destination, including Asia, Europe, USA/ Canada, etc. You can buy online travel insurance and get your policy in your mailbox within a few clicks! Now, what is travel insurance , you may wonder.

Travel insurance is a financial cushion designed specifically to protect you while you travel for various purposes. The plan can help you in unprecedented situations such as emergency hospitalisation, loss of belongings, and/or trip interruptions. Travel insurance works similarly to any other insurance to cover your trips abroad.

Look for best travel plan that suits your need!

International Travel Insurance with COVID-19 Coverage

Secure your trip with Studying overseas

Care’s Travel Insurance: Plan at a Glance

At Care, we provide the best travel insurance . The destination-specific plans are separately designed to meet the needs of students and other individuals travelling abroad. Mentioned below are a few key coverages under Care’s Travel Insurance.

Why Choose Care Travel Insurance?

No matter where you are flying off to, having a travel insurance plan can help you travel stress-free. A travel insurance cover from Care is designed specifically to protect you when you encounter a travel-related problem such as emergency hospitalisation, theft, or trip interruptions. Summarising below are the benefits of opting travel insurance from Care:

What is Covered by Care Travel Insurance?

While you buy travel insurance online from Care, we provide comprehensive travel insurance coverage as mentioned below:

• Emergency Hospitalisation Cover: In case of any unforeseen situation that requires hospitalisation, our travel insurance plan provides you travel insurance cover encompassing IPD and OPD facilities.
• COVID-19 Cover: Our travel insurance covers the standardised cost for treatment of health risks due to Covid-19 infection considering the pandemic still possesses new health risks.
• Accidental Hospitalisation: Our travel insurance policy provides a claim of up to 100% sum insured in case of accidental hospitalisation. We also cover the insured member in case of Accidental Death/Permanent Total Disability.
• Pre-existing Disease Cover: We ensure that you remain covered in case of an emergency caused due to pre-existing ailments. Thus, we provide appropriate travel insurance cover for pre-existing illnesses.
• Treatment in Home Country: If you require further treatment in your home country, the expenses for the same will be covered up to 30 days or up to the policy end date, whichever is earlier.
• Common Carrier Accidental Death: God Forbid! If the insured member loses his/her life while travelling in a common carrier/public transport, the travel insurance purchased from Care will pay a lump sum amount as a compensation.
• Repatriation of Mortal Remains: The travel insurance policy will cover the expenses, up to a defined amount, related to the transportation of mortal remains in case of death of the insured.
• Trip Delay, Cancellation, or Interruption: If the trip you booked got cancelled, it could be disappointing and lead to a financial loss. Trip delay, cancellation, or interruption are no more a headache for you. We cover them too!
• Loss of Travel Documents: If you lose your travel documents, like a passport or international driving license, you first must inform the authorities. Since there, leave everything to us! We will take care of the expenses incurred for availing or retrieving your lost items.
• Loss of Checked-in Baggage: Losing luggage can ruin any trip. However, when there are such risks involved, having a travel insurance policy becomes crucial. It will cover the losses by reimbursing the incurred costs.
• Up-gradation to Business Class: For a comfortable journey, if you require an up-gradation to business class, you will receive coverage of a specified amount under our travel insurance policy.
• Adventure Sports Cover: It is an optional benefit to be availed on extra premium if someone wishes to opt for adventure sports while travelling. The travel insurance policy covers expenses of an insured participating in hazardous activities, subject to policy terms and conditions.
• Missed Flight Connection: Missing a flight can make you incur additional expenses on travel and accommodation. There is no need to get anxious about the financial burden as such expenses will be reimbursed in a travel insurance policy.
• Hijack Distress Allowance: We all wish for a safe trip. However, unforeseen events like a hijack can occur anytime ruining the whole excitement. With a travel insurance policy, one can cover such risks as well.
• Automatic Trip Extension: If your trip is extended due to unavoidable circumstances, you need not bother about the unexpected expenses as the period of travel insurance will be extended up to a specified number of days.
• Personal Liability: The travel insurance policy will safeguard the insured if any personal liability arises due to an accidental injury or property damage to a third party.

Advantages of Care Travel Insurance in India

Covering your trip with an online travel insurance policy has more advantages than just providing medical coverage. Mentioned below are a few benefits of exploring the world with Care trip insurance:

• Destination-specific Coverage: Some destinations are economically cheaper than India, while some are comparatively stronger. Thus, to ensure you do not have to pay for inappropriate trip insurance, Care Travel Insurance curates destination-specific plans with maximum benefits at a considerable premium.
• Covers Entire Trip: Care’s Travel Insurance provides an all-rounded coverage. Not only does it cover unannounced medical expenses, but also safeguards your finances during non-medical contingencies. Some prominent coverages that international travel insurance offers include loss of belonging, daily allowance, trip cancellation/interruption/delay, compassionate visits, etc.
• Smart Add-ons: Care Health Insurance allows the bandwidth for you to add smart optional covers at the time of getting a travel insurance quote. The optional add-ons, such as sports cover, refund of visa fee, and event cancellation, ensure that your travel insurance covers the unique purpose of your trip.
• Last-minute Policy Purchase: Forgot to cover your trip beforehand? Fret not! Just visit our official website and buy online travel insurance before flying from the country. Enjoy a safe journey!
• No Pre-policy Checkup: Whether you are 19 or 90, we respect your comfort and do not mandate a pre-policy checkup. All you have to do is inform us about the pre-existing conditions if you have any, and we shall ensure safe travel for you.
• 24/7 Claim Assistance: An unannounced emergency can strike anytime during your overseas journey. Therefore, our claim team ensures 24/7 assistance to ensure you get assistance whenever you are in need.

Although a travel policy covers several medical and non-medical expenses, many risks may not get covered. Checking the exclusions under travel insurance coverage is beneficial to avoid any last-minute complications. Some must-know exclusions in a Care travel insurance is as mentioned below:

• Expenses for treatment of HIV/AIDS/ other transmitted diseases
• Expenses arising out of hazardous activity, the influence of drugs or alcohol, or consequences of war/nuclear perils
• Costs incurred due to exposure to ionising radiation or contamination
• Expenses due to the treatment of self-inflicted injury or suicide
• Any liability related to any professional services offered by the insured
• Expenses incurred by engaging in business activities
• Costs incurred due to ownership of any aircraft, watercraft, motor vehicle, etc
• Personal liability of the insured towards another individual (whether personal, official, or commercial)
• Expenses due to wrongful detention, false arrest, wrongful eviction, defamation or mental trauma and shock resulting from such situations
• Costs incurred due to encroachment of intellectual property rights like patent, copyright, and trademark
• Liability related to possession of animals, insects, bird, and reptiles and their byproducts
• Expenses arising as a result of an insured person engaging in Breach of Law

Types of Travel Insurance Plans in India

Explore the wide range of travel insurance options and be at peace because, we cover you for most of your unique needs. Your adventure-awaits, and we're here to make it a memorable one with our comprehensive travel insurance plans:

International travel insurance is a policy that provides comprehensive protection against travel-related uncertainties during an international trip. It covers unforeseen medical and non-medical expenses, like in-patient, and out-patient care, loss of passport or checked-in baggage, trip delays or cancellations, etc. You can get country-specific international travel insurance plans at Care to suit your requirements for different countries.

Student travel insurance is designed to cover the unique needs of students planning to pursue higher education in a foreign country. The plan typically covers travel-related contingencies such as trip interruption, medical emergencies, liabilities etc., during a student's study venture to ensure they remain covered. Being covered with travel insurance allows them to focus on their studies and return home with success and great memories.

Group Travel Insurance

Group travel insurance benefits those travelling in groups. The plan bought from Care is a comprehensive yet affordable cover that covers each and every individual travelling in a Group. The plan provides coverage against unforeseen contingencies such as emergency hospitalisation, trip interruptions, loss or theft of belongings etc., to each secured member of the group.

If you plan to visit a Schengen region country, you will be required to apply for a Schengen Visa, and, for a Schengen visa, it is mandatory to have Schengen travel insurance with appropriate coverage. Moreover, Schengen travel insurance also ensures coverage against trip-related medical and non-medical expenses while you are on a trip to one of the 27 European countries.

Eligibility Criteria for Buying Travel Insurance in India from Care

Before getting the travel insurance quote, it is crucial to understand the eligibility clauses to ensure a foolproof purchase. The eligibility criteria of the online travel insurance policy at Care Health Insurance are as follows:

How to Get Travel Insurance Online in India from Care?

To buy travel insurance online, follow the steps below:

Step 01: Visit the official Care Health Insurance website and navigate the travel insurance dropdown. Select the country you wish to visit.

Note: Select student travel insurance if you travel abroad for higher education.

Step 02: Once on the desired page, navigate to the right side of the screen, enter your phone number and click on the “calculate premium” button.

Step 03: Follow the form flow and provide details such as the proposer’s age and insured member(s) details in the designated columns.

Step 04: Select if the insured members suffer from pre-existing diseases. Select the desired amount of sum insured and proceed further.

Step 05: Once you click on the “get a quote” button, the premium amount will appear on the screen with the critical USPs of the plan. Proceed to make the payment and save a receipt for further reference.

What Makes Comparison of Travel Insurance Important?

Confusion is prudent if you have multiple travel insurance plans to choose from. So, “how to get the best travel insurance?” You may wonder.

The best way to choose a suitable plan is to compare online travel insurance from various insurers. Some reasons why comparison of travel insurance is essential are:

• Explore Better Coverage: Comparing various travel insurance online gives you an idea of coverage in various plans. Learning about various trip insurance also allows you to choose from the wide range of coverage options available in the market.
• Can Opt for an Affordable Premium: Various online travel insurance offers comprehensive coverage at a high premium, while some restrict coverage at a lower premium. Comparing various trip insurance allows you to opt for a policy that provides desirable coverage at an optimum premium.
• Choose from Destination-specific Plans: Some plans open the gate of worldwide destinations, whereas some are still designed to cover your destination-specific needs without digging a hole into your pocket. Thus, comparing multiple plans allows you to choose from the best options for your preferences.
• Understanding Exclusions: Considering the exclusion is another crucial reason for comparing travel insurance. Comparing various plans allows you to choose trip insurance that provides coverage for your desired factor; otherwise, you will be excluded from other travel insurance plans.

Documents Required for Travel Insurance

You may not be asked to submit a long list of documents if you purchase travel insurance online. However, as listed below, a list of documents may be required while proceeding with the KYC (Know Your Customer) procedure.

• A government-approved ID proof such as an Aadhar card, voter ID, driving license, or passport.
• An address proof such as electricity bill, water bill, aadhar card, etc.
• Bank statements or any other income proofs shall also be required.
• A medical certificate must be required in certain cases.

Please note that the documents required for travel insurance may vary from insurer to insurer based on the type of travel insurance you purchase.

What is the Claim Process for Care Travel Insurance?

During an untoward event, you first want a hassle-free claim settlement. Filing a claim under travelling insurance is no longer a cumbersome task with our simple and easy claim process:

How to Calculate Online Travel Insurance Premium?

Now, you can easily calculate the online travel insurance premium with the help of the premium calculator available on our website. It gives you a precise estimate of the premium to be paid to avail of travel coverage. With the below steps, you can estimate the right insurance premium and plan your travel budget accordingly:

• Enter your mobile number.
• Enter your email id.
• Your first name and last name.
• Select the country.
• Get a quote.

While using the travel insurance premium calculator , you can customise the policy. The premium amount will vary based on different factors.

Both Travel and Health insurance have distinct benefits, coverage, exclusions, and claim processes. Below are the factors for your understanding:

Travel Insurance Terms You Should Know

While buying travel insurance online, you may encounter technical terms that may confuse you and distract your purpose of securing your trip. Below are a few terms you should know while buying travel insurance:

• Cashless Settlement:  If you are eligible for cashless claim settlement, your insurance company shall directly pay for your losses to the third party. Travel insurance providers generally provide cashless settlement benefits in emergencies such as hospitalisation.
• Reimbursement:  Under the reimbursement benefit, the insured member has to pay for the expenses first and can claim for the expenses later using the receipts.
• Sum Insured:  The maximum amount the insurance company will pay during your trip is the sum insured by the travel insurance plan.
• Deductible:  Deductible is a portion of your claim you must pay while the insurance company pays the rest.
• Sub-limit:  Sublimit is a limited amount your travel insurance will pay for a claim. Claims incurred above the sub-limit shall be paid from the insured member’s pocket.
• Medical Evacuation:  The arrangements made to port the patient to the hospital or the home country are known as Medical Evacuation.
• Annual travel insurance:  Travel insurance designed for individuals who take multiple trips in a year is known as Multi-trip or Annual travel insurance.
• Missed Connection:  Missed connection is used when you miss your connecting flight during an international trip. Under travel insurance, you get covered for a missed connection if you miss your connecting flight due to covered reasons.
• Personal Liability:  Personal liability is usually incurred when you accidentally hurt or harm a third party. Your travel insurance shall cover your expenses for personal liability if it is caused unintentionally and does not include a breach of law.
• Co-payment:  Co-payment is a travel insurance of benefit under which the insured member has to pay a certain percentage of each claim.
• Common Carrier:  A commercial means of transportation that transports people and goods from one place to another. In travel insurance, aircraft are usually referred to as common carriers.
• Equipment Failure:  Equipment failure is a condition when a piece of equipment does not function as intended. In travel insurance, equipment failure represents a failure of a part of aircraft.
• Free look-up period:  Free look-up period in insurance is when you can read all the policy documents carefully and may cancel the policy if you do not find the plan’s coverage and benefits useful. A free look-up period in travel insurance can be utilised only before the trip start date. If you purchase travel insurance at the last minute, you may not avail of the free look-up period benefit.
• Immediate Family Member:  Blood relatives and spouses are usually called immediate family members. Your immediate family members include your siblings, parents, children and spouse.
• Insured Journey:  Insured journey is a term that refers to a trip that has been covered with a travel insurance plan.
• Insured Person:  A person who can avail benefits of an insurance plan is known as an insured person.
• Medical Expenses:  Expenses incurred while getting treatment at a hospital are medical expenses.
• Pre-existing Condition:  Pre-existing condition in insurance is used to refer to illnesses that have been prevailing with the patient before the purchase of insurance.
• Travelling Companion:  The person travelling with you on a journey is known as your travelling companion. Your travel companion may/ may not be your immediate family member.
• Inpatient Care:  Healthcare facilities provided to patients within the hospital premises are categorised under In-patient care.
• Inclement Weather:  Severe wet and cold weather is known as Inclement weather.
• Insured Periods:  Insured period is the time period that is covered by insurance. For instance, if you purchase travel insurance effective from today to the next six days. The seven days in which the policy is effective is the insured period.
• Foreseeable Event:  Any event that can be predicted or is known to happen is foreseeable. Travel insurance usually does not cover expenses incurred due to foreseeable events.

Voice Of Customer

Good Travel Insurance Policy

Satisfied with Claim Settlement

Dont Waste Time, Just Buy It

Nice Coverage

Waste of Money no refunds

Nice Service

Nice Customer Service

My appreciation for your prompt service

Recently, I’ve purchased JOY Maternity insurance for my expecting wife and my experience was excellent with the claim settlement team who helped me deal with all the formalities smoothly. Thank you for making my decision the right one!

Rahul Sangwan

Health Insurance

We will continue to avail of your scheme

I ported my healthcare plan last year; it is the wisest decision I made by choosing Care Health Insurance. I recently got admitted due to a viral infection, and all my expenses got covered under my plan.

Samanway Barik

Everything went very smooth

Thank you for helping me when I needed help the most, being in the hospital. Buying Care’s health insurance plan is my best decision so far.

Soubhagya K Kulkarni

Really helpful explaining the process in advance

Thank you for helping me with your fastest claim settlement process. I didn’t have to wait much for the approval. Everything was quick and seamless.

Vaibhav Rai

Zeroing in on a health insurance plan for your family is a tricky choice, given the number of insurers in the market who offer similar policies. It is not wise to simply choose the policy with the lowest amount of premium. You need to compare different policies, their features and benefits. Care Health Insurance (CHI) is a specialist Health Insurer and offers products keeping in mind the needs of a customer in the event of a medical exigency. CHI offers a distinct set of benefits giving a clear choice for providing you with the best possible health insurance.

Awarded as Best Health Insurance Company of the year^

38 Lakh+ Claims Settled*

22900+ CASHLESS HEALTHCARE PROVIDERS^^

^India Insurance Summit & Awards 2023

FAQs on Travel Insurance

Q. does travel insurance cover travel warnings.

Our Travel insurance does not cover trip cancellations and other expenses incurred due to pre-announced travel-related warnings.

Q. When does travel insurance become effective?

Your travel insurance becomes effective from the date your trip starts. If you take additional coverages, such as a refund of the visa fee or trip cancellation insurance, then the travel insurance comes into effect just after you buy travel insurance.

Q. What is the age category to apply for travel insurance?

Typically, there is no minimum or maximum age limit to get insured under travel insurance policy. However, if the insured member is below 18, they will need a proposer who is 18 or above.

Q. How close to your trip can you buy travel insurance?

You can buy travel insurance online until the last minute of taking off for your flight! However, it is always suggested to compare travel insurance from various insurance providers carefully and then purchase as soon as you decide to book tickets for your journey.

Q. Does travel insurance cover cancellation?

Our Travel insurance covers expenses incurred under trip cancellation given that the trip has been cancelled under the policy’s terms & conditions.

Q. How much does travel insurance typically cost?

The premium of travel insurance may vary depending on various factors. The age of insured members, the destination you are travelling to, frequency of trip, duration of the trip, pre-existing medical conditions, etc. are a few factors to be named that affect the premium of travel insurance plans.

Q. How long does travel insurance last?

Annual travel insurance lasts up to 365 days from the start date. Whereas, single-trip travel insurance may last for as many days as you plan your trip to be. Suppose you plan a 30-day one-time visit trip to a country, then your travel insurance may last for up to 30 days.

Q. Can I buy travel insurance during my trip?

Once you embark on a new journey, you can not purchase travel insurance policy to secure your further journey.

Q. Is it necessary to buy travel insurance for every long trip?

Travel insurance is not mandatory while travelling across borders. However, you should always secure your journey with a travel insurance plan.

Q. Are there different types of travel insurance as per needs?

Yes. Based on a traveller’s unique travelling needs, travel insurance is of different types. Family travel insurance, student travel insurance, standalone travel insurance, and travel insurance for senior citizens are a few types of travel insurance mentioned.

Q. Can travel insurance cover illnesses?

Yes. Travel Insurance covers emergency medical conditions while you are on a journey to a foreign country. Additionally, the plan also covers adversities encountered due to previously informed existing medical conditions.

Q. Can I buy an annual plan of travel insurance?

Yes. If you are planning to take multiple trips throughout the year, you can simply cover all your trips under multi-trip travel insurance.

Q. Is it better to buy travel insurance per trip or annually?

You should buy travel insurance depending on whether you will take multiple trips or a single trip in the coming year. If you don’t have plans to take multiple trips, then single-trip travel insurance is the best option. However, if you are willing to take multiple foreign trips, then you should opt for multi-trip travel insurance.

Q. Would travel insurance cover me anywhere?

Yes. Travel insurance from Care Health Insurance covers you amidst medical and non-medical emergencies.

Q. Can I buy travel insurance after I depart from India?

No. You cannot buy travel insurance once you leave your home country.

Q. Do travel insurance policy cover coronavirus?

Yes. Care's Travel insurance covers hospitalisation incurred due to coronavirus infection.

Q. Should I buy travel insurance more than a year out?

If you plan to pursue higher education and are purchasing student travel insurance, you can buy a policy that covers your complete journey.

Q. How long do travel insurance claims take?

At Care Health Insurance, the travel insurance claim typically takes 10-15 working days for settlement.

Q. Does travel insurance cover theft?

Yes. Care Travel insurance covers expenses incurred during the theft once you depart from your home country.

Q. How do I get a travel insurance with COVID-19 coverage?

India's Insurance Regulatory and Development Authority has mandated all travel insurance companies to provide basic coverage for expenses incurred due to Covid-19 infections. Considering this, Care Health Insurance provides travel insurance with Covid coverage to cover expenses incurred due to Covid-19 infection.

Q. How Care is the Best Travel Insurance Company in India?

Care Health Insurance is one of India’s leading insurers. The vast plan options, comprehensive coverage, 24/7 claim assistance, world-class third-party administrator and high claim settled stats are the reasons why Care Health Insurance is the best travel insurance company.

Q. Can I buy travel insurance online?

Yes, you can opt for Care Travel insurance online through the official Care Insurance website.

Q. What insurance is needed for travelling?

If you travel to a foreign country, having Care Explore- International Travel Insurance is crucial to save you from undeniable and unforeseen expenses.

Q. Can I buy travel insurance after booking my trip?

Yes. You can opt for travel insurance after booking your trip. However, you should purchase it before leaving your home country.

Q. What is Covered by Travel Insurance

Care Explore- International Travel Insurance offers comprehensive coverage for various medical and non-medical contingencies you may encounter during your overseas journey. Emergency hospitalisation, hospitalisation amidst life-threatening conditions due to PED, trip delays/cancellations, trip interruption are a few things covered under the international travel insurance offered by Care Health Insurance.

For details on travel insurance coverage, please read policy documents thoroughly.

#You can avail the maternity and new born benefits as an optional benefit under the student travel insurance.

^^Number of Cashless Healthcare Providers as of 30th June 2023.

**Number of Claims Settled as of 31st May 2023

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Travel Insurance For a Trip to India (2024)

Travel insurance protects your trip expenses and offers you financial peace of mind. See how to get covered and what travel insurance costs for a trip to India.

in under 2 minutes

Nicole Leigh West is an experienced lifestyle journalist and writer for publications including Wanderlust, TripSavvy and Vacations & Travel. Along with roaming the globe and penning fiction novels, Nicole works for World Words as a sub-editor and writer.

Tori Addison is an editor who has worked in the digital marketing industry for over five years. Her experience includes communications and marketing work in the nonprofit, governmental and academic sectors. A journalist by trade, she started her career covering politics and news in New York’s Hudson Valley. Her work included coverage of local and state budgets, federal financial regulations and health care legislation.

From sightseeing in Mumbai to hiking the Himalayas, travel insurance can protect your investments on your vacation to India. Travel insurance for India can help cover you financially if your trip gets canceled, you incur medical expenses abroad or an airline loses your baggage.

No one wants to call off overseas travel, but sometimes the unexpected happens and interrupts your plans. Read on to learn about policy terms, costs and information about traveling to India.

Compare India Travel Insurance Companies

Use the table below to compare the best travel insurance companies for a trip to India:

Why Trust MarketWatch Guides

Our editorial team follows a comprehensive methodology for rating and reviewing travel insurance companies. Advertisers have no effect on our rankings.

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for India?

Travel insurance plans are not required to visit India. However, travel insurance can protect you from losing nonrefundable costs if your trip gets interrupted or you experience a health emergency. Most U.S. health insurance plans do not cover medical expenses overseas, like if you require hospitalization or emergent care. But you can add protection by purchasing a travel insurance policy with emergency medical coverage.

It’s important to check policy documents regarding participation in activities such as adventure sports and motorbike riding, which insurance may not cover. However, even if you’re simply exploring Delhi, heat exhaustion or minor incidents may require medical treatment you can cover by filing a travel insurance claim.

Travel insurance can reimburse some or all prepaid costs for trip delays or cancellations. So you won’t have to rely on airline policies to recoup losses if your flight to India is delayed or canceled for reasons outside your control. A policy can also cover a delay of checked-in baggage and lost or stolen belongings.

Cancel for Any Reason Coverage

Most travel insurance providers offer cancel for any reason (CFAR) coverage , which covers nonrefundable trip costs without limits on why you need to cancel.

Standard travel insurance coverage includes cancellation for predetermined reasons, including the death of a family member or a personal accident or illness. But CFAR coverage allows you to cancel plans for reasons outside your policy. So if you cancel your trip to India to go to Canada or Thailand instead, your insurance company is more likely to reimburse travel costs if you have CFAR coverage.

CFAR is subject to rules that vary among different travel insurance providers. Rules may include exclusions and time limits, such as a requirement to cancel within 48 or 72 hours of your vacation start date. It is typically offered as a policy add-on, which may increase your insurance premium.

Gear Theft Protection

Travel insurance also offers coverage for valuable items and expensive equipment so you can travel to India with added peace of mind. Gear theft protection is useful if you’re traveling with valuables such as:

• Smartphones
• Professional cameras and video equipment
• Adventure sports gear

Check your international travel insurance plan for inclusions, exclusions and the sum insured. Certain travel policies may not cover everything, like the full cost of stolen valuables after your deductible. Generally, reimbursement includes items that are damaged, lost or stolen through common carriers such as airlines or tour organizations. Many travelers leave items at home or locked in hotel rooms if they are too valuable to lose.

Medical Emergency Insurance and Emergency Medical Evacuation

According to the U.S. Department of State , the quality of medical care in India varies depending on your location. You may have an easier time finding medical care in more populated cities versus rural areas. But regardless of your location, travel medical insurance can cover health emergencies and help you avoid significant medical costs.

Policies may vary regarding coverage of pre-existing diseases or medical conditions. Standard medical coverage typically includes:

• Hospital fees
• Operating room charges and anesthesia
• Dental emergencies
• Lab tests and X-rays
• Accidental death and dismemberment

Most travel health insurance plans include emergency medical evacuation and repatriation if local medical care isn’t available or you need to fly back to your home country.

Rental Car Protection

Many people choose to explore India via a guided tour or with private drivers due to traffic conditions, specifically in big cities. The country requires that rental car companies provide third-party personal liability insurance to cover deaths, injuries or property damage while using rented vehicles. However, companies may offer you the option to purchase additional rental car coverage.

Depending on the type of car insurance and coverage you choose, premium plans may include the following:

• Collision damage waiver and theft protection
• Tire and windshield protection
• Roadside protection
• Personal effects coverage

As a separate safeguard, a standard travel insurance policy generally includes rental vehicle coverage to reimburse you for stolen or damaged cars. Some policies may offer this coverage as a policy add-on, which costs extra.

Trip Cancellation Insurance

Trip cancellation insurance covers nonrefundable trip costs (like your flight or hotel) if your trip to India gets canceled unexpectedly. Coverage extends to the insured person or policyholder for a limited number of reasons, including:

• Death of family members
• Hospitalization or serious illness
• Severe weather conditions preventing departure
• Jury or military duty
• Domestic or international terrorism (such as a hijack at air or sea)

Opt for CFAR coverage for more general cancellations, like a compassionate visit to someone in the hospital, concerns about pre-existing conditions or simply changing your mind. Note that your policy may not cover cancellations due to certain natural disasters (such as flash flooding in India) if you travel after a known event.

How Much Does India Travel Insurance Cost?

The cost of India travel insurance largely depends on your trip details and personal risk factors. For example, a senior citizen who requires a regular check-up for pre-existing medical conditions may pay more for a policy, whereas student travel insurance is generally the cheapest.

Plan options may include single-trip travel insurance for a one-time visit to India. Or if you’re traveling from Schengen countries to Australia and then onto India, you might find multi-trip travel insurance more cost-effective. In this example, a U.S. citizen would not need a Schengen visa to travel between countries but would require a tourist visa to enter India .

We requested quotes from ten travel insurance companies for their most affordable plan for a trip to India. The below quotes are for a 30-year-old traveler from Florida, traveling to India for ten days in September 2024, with a total trip cost of $4,000. Policies include coverage for cancellations, interruptions, delays, medical care and evacuation.

 These quotes were collected in April 2024 for a trip in September 2024.

Keep in mind that your cost may vary depending on your personal details and trip duration or end date. If you are on a budget, check out our picks for cheap travel insurance options .

How Do I Get Travel Insurance for India?

When planning your vacation to India, check your credit cards and health insurance as you may already have some forms of coverage. Some credit card companies extend certain travel coverages, and private health insurance may extend to emergencies abroad. You can also buy travel insurance directly through your airline when purchasing flight tickets.

If you decide to purchase travel insurance, take your time to shop around and compare plans. It’s important to check your policy wording for coverage exclusions so you are not surprised during the claims process. For example, policies may include varying coverages for lost baggage , which can affect how much you receive in a claim settlement.

The right travel insurance policy for you should take into account your personal needs. If you plan to hike or participate in sporting activities, look for coverage that includes medical emergencies and sporting gear. Or find a trip plan with optional CFAR coverage if unexpected trip interruptions are a concern.

India Safety Tips

Below are travel and safety tips to help you enjoy a hassle-free Indian vacation.

Crime and Safety

The India Travel Advisory from the U.S. Department of State is at a Level 2: Exercise Increased Caution. According to the State Department, the level is in place due to growing crime across tourist destinations, along with possible terrorist attacks. Check updated information for certain areas with Level 4: Do Not Travel advice.

It’s recommended to avoid demonstrations and always follow instructions from local authorities. Be aware of your surroundings in big crowds and guard your belongings from pickpockets. Take note of local media concerning breaking events and adjust your plans accordingly.

Day Trips, Tours and Excursions

From seeing the Taj Mahal to learning how to cook Indian food, tours are a fantastic way to see the country. Some international travel insurance policies can safeguard you from financial loss related to travel excursions — like cruise insurance from Nationwide.

Always book tours and day trips through reputable companies. Seek advice from hotel concierges and trusted travel agents. For more information, visit India’s official tourism website .

India currently does not have any rules or restrictions regarding COVID-19 and U.S. travelers. However, the situation is subject to change. Visit the Indian government’s Bureau of Immigration for up-to-date information.

Is Travel Insurance for an India Vacation Worth It?

Travel insurance is not mandatory for a vacation to India. However, it can help you recoup finances due to potential baggage loss, stolen valuables, canceled flights and more. Travel insurance can also cover medical expenses if you experience an emergency abroad. Other reasons why travel insurance is worth it include peace of mind in knowing you have coverage on your trip to India, whether it be for sporting equipment, a delayed flight or a trip to urgent care.

Frequently Asked Questions About Travel Insurance in India

How can i claim flight compensation.

Travel insurance is the best protection against canceled flights to India. Most U.S. airlines will only compensate you if the company is at fault for cancellations or delays. But even then, restrictions apply.

Do I need travel insurance to fly to India?

Travel insurance is not required to fly to or enter India. But a policy is recommended to cover trip cancellation and potential medical expenses. It can also cover the loss of passports and other important documents, stolen or damaged valuables and sporting gear.

What does travel insurance for India cover?

Travel insurance covers a variety of unexpected events and risks, including medical emergencies, flight cancellations or delays, lost luggage and stolen valuables. Different types of travel insurance plans may also include coverage for sporting equipment and rental car damage.

Do all credit cards include travel insurance?

Not all credit cards offer travel insurance. But travel rewards cards may offer a level of travel insurance. Check your policy documents for coverage details. You can also use travel cards to earn rewards points if you prefer to travel cashless.

If you have questions about this page, please reach out to our editors at [email protected] .

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India: Safety and Travel Insurance

Travel insurance and safety advice as a visitor to india.

General Health Considerations

While traveling, many visitors experience stomach upsets and diarrhea commonly referred to as “Delhi belly.”

There are also a number of serious illnesses that visitors to India can be at risk of contracting. These include rabies, influenza, malaria, and tuberculosis.

For information on health precautions and vaccinations specific to your trip and travel to India, the Centers for Disease Control and Prevention is your best option for up-to-date information. Go to: CDC.gov/travel .

Other Travel Considerations When Visiting India

Poor air quality is an issue in some major cities in India and is worst during the winter. This can be a severe issue for infants, children, and teens; those over 65, and anyone with asthma or lung problems. The embassy monitors and updates the air quality. To learn more, visit: in.usembassy.gov/embassy-consulates/new-delhi/air-quality-data/

Also, many toilet stops will be less than sanitary. Toilet paper is not always provided. You may wish to carry soap with you to properly wash your hands, and anti-bacterial wipes or gel to clean your hands are also recommended.

Of course, as with any overseas trip, you must make sure you have researched and are prepared to handle any surprise situations that could occur while away from home. This may include the purchase of additional or new insurance including:

India Travel Insurance

Likely, your trip to India will be researched and booked well in advance of your date of departure. Make sure to have purchased the right insurance for your trip.

Trip Cancelation Insurance for Travelers to India

Essentially, trip cancelation insurance comes into play if you or a member of your traveling party is unable to go on the trip.

Travel Medical Insurance for Visitors to India

Purchase of comprehensive travel medical insurance , including air evacuation, is strongly recommended to cover emergency illnesses or injuries due to accidents that occur while abroad. Plans are typically available for as few as 5 days to as long as a year, renewable for up to 3 years total.

• Emergency medical, evacuation, repatriation benefits
• Choose between the basic and more extensive coverage
• Meets Schengen visa insurance requirements
• 24/7 worldwide travel and emergency medical assistance

Travel Insurance for US Citizens Visiting India

For trip cancellation coverage, we recommend the Seven Corners Trip Cancellation plan to US citizens visiting India. If you want excellent medical coverage abroad but do not need trip cancellation, we suggest US citizens visiting India purchase the GeoBlue Voyager plan. Information on both options can be found below.

Seven Corners Trip Protection Insurance

• Comprehensive trip protection for U.S. residents traveling abroad.
• Optional rental car collision coverage available.
• Optional Cancel for Any Reason coverage available (if eligible).

GeoBlue Voyager Plan

• For U.S. citizens up to age 95
• Includes pregnancy coverage, baggage loss, trip interruption & more
• 24/7/365 service and assistance

Long Term Medical Plans in India

For long-term and comprehensive major medical cover, an “ Expat Insurance Plan ” or international health insurance will cover you in India and throughout the world. These plans offer comprehensive coverage and are annually renewable, often available to cover you for the rest of your life.

Cigna Global Insurance Plan

• The flexibility to tailor a plan to suit your individual needs
• Access to Cigna Global’s trusted network of hospitals and doctors
• The convenience and confidence of 24/7/365 customer service

Learn More: Health Insurance in India for Foreigners or Expats

Vaccinations Required for Travel to India

Always check with your doctor and the Dept. of State before traveling to a foreign country. Securing the necessary vaccinations will provide peace of mind when visiting or moving to another country. When your destination is India, the following vaccinations are recommended:

• Hepatitis A

You should also consider vaccinations for:

• Japanese B Encephalitis
• Hepatitis B
• Tuberculosis

Malaria is a risk in many areas of India. In any location where the altitude is 2,000 meters or less, take an anti-malarial drug prescribed by your doctor and protect yourself against bites by applying DEET-based repellant and by wearing long sleeves and pants. Vaccine recommendations for travelers are subject to change, so it’s a good idea to check current requirements with your doctor before departing. You should also make sure that tetanus and polio vaccinations are up to date for you and other family members.

Emergency Travel Services in India

To access emergency services, call the following:

• From a cell phone, dial 112
• Police – dial 100
• Ambulance – dial 102 (108 in some parts of South India)
• Fire – dial 101

Ambulances are not well equipped and traffic does not yield to emergency vehicles. In an emergency, it may be preferable to take a taxi or private vehicle to the hospital.

Hospitals in India for Visitors

• Laparoscopy Hospital
• Max Healthcare
• Sri Ramachandra University & Medical Centre
• Amrita Institute of Medical Sciences and Research Centre
• Sri Venkateswara Institute of Medical Sciences
• Sankara Nethralaya Hospital
• M.V. Hospital for Diabetes and Diabetes Research Centre
• Mahatma Gandhi Institute & The Kasturba Hospital
• Jaslok Hospital & Research Centre
• Search for more International Hospitals

Staying Safe as a Traveler in India

Train travel.

Generally, train travel in India is safe – it has the third largest rail network in the world. Accidents and onboard fires are most frequently related to antiquated infrastructure, poor maintenance, overcrowding, or operator error.

Swimming in India

Be advised that it is of particular importance when swimming in open water to pay attention to warnings posted at beaches, especially during monsoon season. Trained lifeguards are rare in India and there can be strong undertows. Be sure to ask about dangerous sea life and keep a safe distance from animals.

The ability to observe wildlife in its natural habitat is thrilling! In India, there are many opportunities to participate in wildlife safaris with tourism operators and lodges that offer safe tours. Remember that both staff training and safety standards will vary. Look for a well-reputed company, respect all animals as wild and stay with your tour vehicle at all times.

When you plan trekking as part of your trip to India, exercise caution and limit your route selection as those identified by local authorities. Choose only registered trek agencies, porters, and guides, and be sure to travel in groups. Popular trekking areas can have high altitudes – as much as 25,170 feet (7,772 m) so make sure you are fit enough to hike at that altitude. Note that some trekking operators will only accept clients who have emergency helicopter evacuation insurance.

Tip: US travelers should enroll in the Smart Traveler Enrollment Program ( STEP ) to keep automatically updated from the Embassy.

Health Considerations in India

In the 2016 World Health Organization (WHO) ranking of healthcare systems, India ranked 112 out of 190 countries.

There is a huge range in the quality of medical assistance available in India. In urban centers with large populations, some medical care can approach Western standards; however, in rural areas, medical care may be of very poor standards or even unavailable.

An International Health Plan will allow you to be treated at the hospital of your choice, anywhere in India.

Typically, hospitals require payment or confirmation of insurance prior to any treatment. Payment practices are inconsistent and credit cards are not often accepted for medical care.

Dietary Considerations and Indian Foods

Do everything you can to stay healthy on your trip! Never drink tap water and always avoid food that has been washed in it. Stay clear of ice, ice cream, and salads or fruit you didn’t peel. Give your stomach a few days to acclimatize before trying any street food. Even then, do a quick assessment of the cleanliness standards. Is the food being cooked fresh or has it been sitting? Is the stall busy or just attracting flies?

During travels in India, many visitors choose to go vegetarian – a great option since the vegetarian food choices are fabulous! If you do choose to eat meat, ensure it is well cooked and stick to locations that are packed with local customers.

• Advice on Travel to India from Gov.UK
• Travel Insurance for Visitors to the USA

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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

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

• Plan Details
• Manage Travel Claim
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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.

Travel Insurance Articles

Interesting travel reads .

• 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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Planning a trip: Check out countries with mandatory travel insurance

Travel insurance covers various risks and expenses associated with travelling, both domestically and internationally.

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International Travel Insurance

An international trip is an exciting & refreshing escape from everyday life. International travel insurance ensures there is no other financial drainage in case anything goes wrong. Travel insurance for international travel comes with coverage for lost checked-in baggage, passport loss, medical emergencies and a lot more.

Don’t worry you can change your trip dates at a later stage

No. of travellers

If the traveller have a known illness, injury or health condition like heart disease, diabetes, cancer etc which will help us cover you

Please select the travellers who have a pre-existing medical condition

* Price shown is for a 15 day trip to UK with a 1 lakh dollar coverage for an adult of age 25 years

• 1 Destinations
• 2 Trip Date
• 3 Travellers

Plans start from ₹50 per day*

Which country are you traveling to.

Popular Destinations

You can select multilple destinations

Now covers COVID-19

• No medical checkup required
• Pre-existing coverage available
• Instant Policy Issuance
• Medical expenses, Trip cancellation/delay, Loss of baggage & Passport etc.
• 24x7 claims support

*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years

Get Travel Insurance from 8+ insurers having more than 20 plans with Policybazaar

Plans include Covid-19 global coverage

Accidental & sickness expenses

Covers Loss of check-in Baggage

Get Trip Cancellation benefits

Top Travel Insurance Plans

• Individuals
• Sr. Citizens

Why International Travel Insurance?

Business, adventure or study, your purpose for travelling abroad should never be compromised due to emergencies. The last thing you want to deal with abroad is unexpected expenses. It can be due to losing your wallet or sudden medical assistance. This is when international travel insurance comes to your rescue.

You don’t have to worry about any health emergency expenses abroad if your overseas medical insurance covers it. Other than medical issues, these benefits span from not-so-major inconveniences like trip cancellation or delay to major ones like hospitalisation, medical evacuation and repatriation of remains. Foreign trip insurance also covers specific issues like pre-existing diseases, adventure sports etc.

You can easily get international travel protection, that too without any health checkups. International holiday insurance can be bought at affordable premiums. Checkup until a certain age is usually not required, making overseas holiday insurance accessible to people of a broad age group. The benefits of online overseas travel insurance are offered through different plan variants. You can buy international trip insurance as per your budget and requirements.

Facts About International Travel Insurance?

Features of international travel insurance.

While planning, buying international travel insurance online may be the last thing on your mind. However, it is the only thing offering you the ultimate international travel protection. Plus, you can get several benefits when you buy international travel insurance  online for your trip. Particularly if you are travelling long haul, foreign trip insurance is a must. Let’s have a close look at the benefits of overseas travel insurance plans:

• Cover for Accidents and Sickness: Falling sick is horrible, but falling ill on a trip abroad is even worse. That's why trip insurance for international travel compensates for most medical costs, be it due to an illness, an unfortunate accident, or even emergency dental services. Your overseas trip insurance also provides costs for any medical evacuation or repatriation if needed.
• COVID-19 Covered: Most foreign travel insurance online provides necessary coverage in case you or your loved ones test positive or need treatment in the middle of the trip.
• Help with Baggage Loss or Delay: Loss or theft of baggage is sadly a common plight. If this happens to you, your international holiday insurance plan will help you.
• Hijack Cover: Though unlikely, being a hijack victim is nothing short of traumatic. Many international travel insurance online offer a distress allowance to help you cope.
• Travel Assistance : Insurance for traveling abroad offers a dedicated helpline for any help you may need while travelling. This can be finding the nearest network hospital or applying for your new passport.
• Cashless Hospitalization : Most international travel insurance online ensures you receive a cashless hospitalisation facility abroad in case of hospitalisation due to sickness or accidental injury.
• Coverage for Loss of Travel Documents : Some of the best overseas travel insurance assist and pay for obtaining a duplicate copy of your essential travel documents like passport, tickets, etc., in case of loss or theft.
• Personal Liability : If an unfortunate accident involves another person or their property during your trip, your foreign travel insurance online will help you pay for it. These costs will include any repairs or relevant medical expenses.
• Flight-related Adversities : In case of trip delay, cancellation, or curtailment, you no longer need to worry about extra accommodation or other expenses. Your international travel insurance plan will cover these losses. It also provides reimbursement if your trip is cancelled for any reason.

Types of Travel Insurance Plans

Schengen travel insurance, family travel insurance, senior citizen travel insurance, student travel insurance, corporate travel insurance, group travel insurance, medical travel insurance, multi-trip travel insurance, single trip travel insurance, domestic travel insurance, baggage insurance, flight insurance, advantages of international travel insurance.

Other than international travel protection and avoiding burning a massive hole in your pocket, overseas trip insurance has several benefits. Here are some of the best advantages of buying insurance for travelling abroad:

• Fulfills Mandatory Requirement - It helps fulfil the compulsory requirement to travel to a few countries where carrying an overseas travel insurance policy is a must, such as Schengen countries, Turkey, and many other tourist hotspots.
• Emergency Assistance - All foreign trip insurance plans provide emergency helpline numbers, mobile applications, and a dedicated team to assist you in any emergency during your trip abroad. Monetary assistance is provided if you lose all or a substantial part of your travel funds due to theft, robbery, or pilferage. International travel health insurance will also assist in case of medical emergencies.
• Coverage for People of All Ages - You can buy international travel insurance online for anyone in the mentioned age group, no matter which country you travel to.
• Flight-Related Adversities -  While most international travel medical insurance plans only cover medical expenses, many plans also cover you for any adversities resulting from your flight, including flight delays, missed connection flights, flight cancellations, flight hijacks, etc.
• Stress-Free Travel - Online overseas travel insurance lets you travel stress-free and enjoy every moment of your trip, as your insurer will take care of any adversities.

International Travel Insurance Inclusions

With so many benefits readily offered by most international travel insurance online, it is hard to remember all their advantages. Your insurer will cover the following unless specified otherwise:

• Medical Expenses Cover - In case of an unexpected illness, accidental injuries, or death, your overseas medical insurance policy will cover medical expenses faced abroad.
• Loss of Baggage Cover - Coverage will be provided if your plan has the benefits of international flight insurance and your airline damages or misplaces your baggage after checking in.
• Trip Cancellation and Disruption Cover - The primary benefit of your overseas trip insurance is that all your financial losses will be covered if your trip gets cancelled or curtailed due to a covered emergency.
• Flight Delays/Cancellation - If your flight is delayed for more than a certain number of hours or gets cancelled, your foreign travel insurance will cover it.
• Passport Loss Cover - In case of loss of passport or essential travel documents during your vacation, your overseas holiday insurance also covers a reimbursement of the cost incurred on obtaining a fresh or duplicate passport.
• Personal Liability - If you buy foreign travel insurance online, you will get help if you involuntarily result in damage or injure a third party or their property.
• Medical Evacuation - Medical expenses incurred due to emergency evacuation to the nearest hospital for immediate treatment are covered under insurance for traveling abroad.
• Repatriation Cover - In case of a sudden demise, the expenses for cremation and transporting the mortal remains to the family members back in India are covered by overseas trip insurance.
• Dental Cover - Any emergency dental treatment taken due to an injury or acute pain during the trip is covered.
• Hijack Risk Cover - A Hijack distress allowance is granted if the flight you were travelling abroad or vice-versa is hijacked for more than a certain number of hours.
• Compassionate Visit - In case of hospitalisation for an extended period, the cost of transportation and boarding of one of your family members will be covered.
• Trip Delay - Any delay in the commencement of the trip due to an unavoidable emergency, such as a family member's hospitalisation or a natural calamity, etc., is covered by international insurance for travel.
• Missed Connection Flight Cover - If your connecting flight is missed due to the delayed arrival of your inward flight, your insurer will cover it.
• Delay in Baggage Arrival - Reimbursement of expenses incurred on essentials due to the airline's delayed delivery of your check-in baggage.
• Home Burglary Insurance - Compensation for losing valuables is provided if your house is burgled during your international trip.

Buying affordable international travel insurance means you can maintain coverage. An overseas trip insurance policy is only helpful if it secures you in your time of need. Therefore, make sure to buy the best overseas travel insurance by comparing them on Policybazaar.com.

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International Travel Insurance Exclusions

Even the best international travel insurance comes with some limitations. Before zeroing in on the best international travel insurance online, read carefully about the expenses that will not be reimbursed. Have a quick rundown of the things which will not be included in your overseas travel insurance:

• If your passport loss complaint goes unregistered with the police authorities, the damages or loss incurred won’t be covered.
• You wouldn’t be given medical cover if the pre-existing diseases were not disclosed/ declared before the international travel insurance policy commences, especially for those over 70.
• Expenses or any loss incurred from mental incapability, depression or under the influence of alcohol or drugs, or any suicidal attempt. Also, venereal diseases and patients with HIV/AIDS are not covered under international trip insurance online.
• If your purpose for travelling abroad is for medical treatment abroad.
• Also, if you are travelling against the recommendation of your healthcare provider.
• If you are diagnosed with any life-threatening diseases before your travel
• Casualties or damages due to war or nuclear threats in the concerned country

Note: This is not the complete list of exclusions. For an exhaustive list, refer to policy wordings.

Why Should You Buy International Travel Insurance Policy?

Take a look at some of the reasons why you must buy an overseas travel insurance policy for your foreign trip:

• Coverage against Overseas Financial Losses - An overseas trip insurance policy covers unforeseen financial losses you may incur during your trip abroad. It helps you stick to your budget while handling the emergency as best as possible.
• Takes Care of Expensive Medical Bills - Medical expenses abroad are more expensive than in India. With the best travel insurance for international travel, you don’t have to worry about it, as your overseas holiday insurance will cover them.
• Flight Delay Coverage - Flight delays are widespread while travelling abroad and can lead to monetary losses. However, international flight insurance can compensate you for many flight-related losses.
• Coverage against Loss of Passport/Money - Losing your passport or wallet while travelling abroad can put you in a difficult situation. But travel insurance for overseas travel can help you to obtain a passport.
• Compensation for Baggage Delay - A delay in the arrival of your check-in baggage can be annoying and lead to unnecessary expenses. In such a situation, your online overseas travel insurance will cover the costs of buying essentials, such as medicines, toiletries, etc.

Best Time to Visit

Where Can Indians Get a Visa on Arrival?

Travelling to most countries from India requires a visa. You must obtain a visa for the country you want to travel to before commencing your overseas trip. The process may also involve paperwork like insurance for foreign travel. This can be a hassle for many, which can be easily simplified by online overseas travel insurance purchases.

Luckily, many countries offer visa-free and visas on arrival for Indians . They provide keys to Indian citizens on arrival at the destination airport or provide a visa exemption.

Take a look at the countries that provide a visa on arrival to Indians or visa-free entries below:

What Should Be Carried While Travelling Abroad?

While travelling abroad, you must remember to carry the following essential things for a smooth and hassle-free trip:

• Passport - You must always carry your passport during your trip. It should be valid for the next 06 months and have at least 02 blank pages, or you can land yourself in trouble.
• Travel Adapters - Do carry travel adapters with you during your trip to quickly charge your phone, camera, laptop and other electronic devices.
• International Travel Insurance - Make sure to buy the best travel insurance for international travel. You can easily stay covered against any unforeseen adversities faced during the journey.
• Medical Kit - Make an emergency medical kit consisting of painkillers, personal medication, bandages, anti-allergy medicines and generic medicines like paracetamol, etc. and carry it with you on the trip for emergency medical aid.
• Forex Card - Remember to keep your Forex Card in your wallet so that you can use it to buy fabulous things during your trip. You should make sure to buy the best forex cards for international trip to avoid hidden charges.
• Weather-appropriate Clothes - Check the weather of the destination where you will be travelling and pack clothes accordingly for your comfort.
• Comfortable Shoes - Pack comfortable shoes to explore foreign countries easily. Europe is especially a very walkable place, so being comfortable is the key!
• Sunscreens and Moisturizers - Don’t forget to pack sunscreens when travelling to a beach destination. Also, don’t forget moisturisers if travelling to the mountains!

Things to Do in Different Countries

How to Buy International Travel Insurance Online & Offline?

Most international travel health insurance can be bought through multiple channels through the insurers or other online or in-person options. Take a look at the procedure to buy the best international travel insurance policy:

Online Process:

Worldwide travel insurance policies can be purchased online by visiting the website of Policybazaar Insurance Broker Private Limited. Customers can also buy international health insurance for travel from the insurance company's website. You can buy the overseas travel insurance policy online by following these steps:

• Visit the official website of Policybazaar.com
• Go to the icon of ‘Travel Insurance’
• Enter the trip's details, including destination, travel dates, etc.
• Provide other requested details, such as the age of the travellers
• Choose the best insurance for travel abroad
• Pay the premium for international travel medical insurance policy 
• Your overseas travel insurance policy will be issued very soon

Make sure to compare different international travel insurance plans at Policybazaar.com before buying an overseas travel insurance plan.

Offline Process:

You can also buy international travel insurance policies offline using these methods:

• Anyone can simply call the helpline number of Policybazaar Insurance Broker Private Limited at 1800-208-8787 and discuss with the customer service representative
• They can also visit the insurer’s nearest branch to buy the policy
• In addition, they can also get in touch with an insurance agent to buy the plan.

In case of any confusion, customers can write to Policybazaar Insurance Broker Private Limited at [email protected]

International Travel Insurance (COVID-19 Covered*)

Ever since the COVID-19 pandemic, almost every international travel insurance company has offered protection in case of COVID-19 contingencies. You can rest easy knowing that your international travel medical insurance will care for you in case of any unfortunate medical emergency. Here are some benefits for COVID-19 offered to travellers when they're abroad:

• Cover for Accident and Sickness-related Expenses:  If the insured is diagnosed with COVID-19 outside India, the overseas medical insurance will compensate for relevant medical expenses as per the limit.
• Trip Curtailment Cover: If you, your travel companion, or an immediate family member is diagnosed with COVID-19, your trip interruption expenses will be reimbursed thanks to insurance for foreign travel.
• Trip Cancellation:  If the insured, their immediate family member or a co-traveller is diagnosed with coronavirus before beginning their overseas trip; any unused and non-refundable amount will be reimbursed. This includes unused portions of your accommodation and travel expenses
• Automatic Extension Benefit:  In case of a curfew or lockdown in your destination country, many international travel insurance policies offer automatic extensions if no alternative modes of transport are available.
• Additional Benefits:  Depending on the international travel insurance company, you may benefit from cashless treatment and reimbursement for extended hotel accommodation in case of COVID-19-covered overseas medical insurance for travel.

Depending on your overseas mediclaim policy, the benefits under COVID-19 coverage will vary. It is best to carefully read the terms and conditions before buying an international travel insurance policy.

Things to Consider While Planning an International Trip

Are you travelling abroad for the first time? Even if you aren't, it won't hurt to remember these tips before planning your trip abroad!

• Research Thoroughly: Online or offline, make sure you spend enough time on research. Find out about the weather, the best time to visit, top attractions, hidden gems, entree fees, transportation costs, safety regulations, cultural essentials, and more!
• Prepare all Travel Documents: Ensure you carry all the essential documents when planning a trip abroad. This includes your passport, visa, international driving licence, travel vouchers, medical prescriptions, hotel confirmation receipts, and a relevant overseas travel insurance policy.
• Register with the Indian Embassy: While overseas travel insurance protects you from any undesirable expenses, in case of an emergency, it is best to contact the Indian embassy so that it's easy to track you and keep you protected.
• Carry Enough Cash: While the world is turning cashless, extra transaction charges might be on your credit cards while travelling abroad. You must also exchange cash when the value of your currency is higher. Make sure to call your bank and inform them about the future transactions you will be making abroad!

Ultimately, make sure to purchase international travel insurance online for your safety. Several worldwide travel insurance plans are available, and you can stay protected anywhere you wish to visit.

Essentials Checklist Before Leaving India

When going for an overseas trip, you must carry all the essentials as per the destination country. Ensure you follow the necessary precautions to avoid troubles abroad, no matter which country you are travelling to. Make sure to:

• Carry a copy of your passport when travelling
• Buy the best global travel insurance policy as soon as you book your flight tickets
• Carry essential medications, including painkillers, paracetamol, anti-allergens, etc.
• Keep international adapters that can fit into any power socket and charge your phone
• Pack moisturisers if you are travelling in winter and sunscreen if travelling in the summers
• Pack a raincoat or umbrella if you are travelling during monsoon or to a place where the weather is unexpected
• Keep a comfortable jacket to take care of sudden changes in the weather
• Carry a good camera to capture your moments abroad
• Fly safe and enjoy your vacations with international tourist insurance or overseas medical insurance.

How to Extend International Travel Insurance?

Several reasons may force you to extend your trip from unfortunate hospitalisations to natural disasters. However, what if your trip insurance expires before your revised departure? Thankfully, almost every travel insurance company in India offers the option to extend the international travel insurance policy if the policyholder needs an emergency extension.

If you find yourself in a situation that forces you to delay your departure, make sure to extend your international travel insurance plan using the following steps:

• Step 1: Contact your insurer online or by calling them on the available customer service. Inform them about your requirement to extend the trip.
• Step 2: The representative will ask you to provide the details depending on the insurer. Regarding the trip extension and additional documents as per the requirements
• Step 3: Once your request for extension is reviewed and examined by the authorities, you will be informed about any additional requirements, if necessary
• Step 4: The insurance provider will inform you about the status of your extension request.

While some insurers offer automatic extensions, some may require additional premiums. You must pay an additional bonus if the extension exceeds the maximum period. Your policy will be extended once the payment has been made, and you will be notified accordingly. However, there are a few things to keep in mind before requesting an extension:

• Ensure that the extension process is initiated as soon as possible, especially before the policy expires.
• Some insurers also offer the facility of extension post-expiration. However, it is best to confirm this beforehand.
• The extension period varies with insurers; in most cases, the policy can be extended for 7 to 15 days, but some insurers offer extensions up to 180 days.
• In case of emergency trip extensions, many travel insurance companies in India also provide emergency accommodation for the insured and their dependents.

The exact procedures may vary from insurer to insurer, so confirm the same before extending your overseas travel insurance plan.

How to File a Claim for International Travel Insurance?

Claiming under most overseas travel insurance from India is easy. You should inform your insurer during an emergency or take medical assistance while travelling. Claims not intimated to providers within a time frame can be rejected. Insurance providers will also ask you to submit claim forms with your personal and journey details.

In case of a cashless claim:

• Intimate the EAP (emergency assistance provider) about the eventuality
• Request a pre-authorization letter from the insurer
• The insurer will send the pre-authorization after verifying the claim
• Receive treatment for your injury/ illness
• Get discharged from the hospital
• The hospital bills will be settled directly by the insurance company

In case of reimbursement claim:

• Inform the EAP regarding the contingency at the earliest
• Arrange all the supporting documents required
• Submit the supporting documents

The reimbursement will be credited to your bank account or issued a cheque if your claim is approved. Depending on your international trip insurance policy, you can also file for claims online via mobile apps, helpline numbers, and other means.

When, Where, and How to Choose International Travel Insurance?

A lot of countries abroad require you to have an international travel insurance policy. Even if they don’t, you should never compromise your safety and buy the best possible medical insurance for international travel. Before you buy one, have a look at some of the most important factors to consider so that you’re aware of all the technicalities:

Travel Frequency

If you are a frequent traveller, a multi-trip travel plan will be cheaper and save you the hassle of comparing and buying international travel insurance plans again. If you don’t travel often, buying a single-trip plan is better. You can easily buy overseas travel insurance online without any prior medical checkup unless specified.

Trip Duration

Before buying overseas trip insurance, your journey dates should be fixed. According to the length of your stay, your premium will be calculated, after which your policy will be issued. To be safe, we recommend that you opt for a policy with a duration exceeding your overall trip duration. This way, any sudden emergencies or changes of plans can be accommodated without costing you an additional premium.

Number of Travelers

Different policies are issued for solo travellers or those travelling with their families. A family floater can be bought if your loved ones are going on your trip abroad as well. Before buying the international travel insurance policy, you should inform your insurer about the number of travellers and the required details.

Travel Destination

Your global travel insurance policy will depend on the country you have decided to visit. Whether it is a European trip or a trip to Japan, these things will narrow down your requirements depending on the country of your travel. They will also cost you differently, with some plans cheaper than others. Please note that several countries need an overseas travel insurance plan to issue your visa, meeting all their requirements. This means your premium will also differ significantly along with your travel destination.

Travel Purpose

There are many types of overseas travel insurance plans depending on the purpose and duration of your travel. There are short-term plans for tourists going on a trip abroad, while students who are going abroad to study need a long-term international travel plan. Many Indians who work abroad also need insurance for overseas travel that suits their needs accordingly. Ensure you are clear about your requirements, as the premium and offered benefits will change accordingly.

Claim Procedure

Don’t forget to read about your insurer, their claim settlement ratio, and other essential points. Also, check for any claim limits they have set with various benefits. Each overseas mediclaim policy has a fixed limit up to which they will cover. If you exceed a specific limit, you must pay the difference.

Therefore, depending on your country of travel and the trip duration, consider different risks before you purchase the best possible international travel insurance plan. This way, there will be no disappointments later. Don’t forget to compare other overseas travel insurance plans to decide which offers the most benefits at the best price.

What Does Policybazaar Do For You?

By helping travellers in solving travel-related glitches, Policybazaar’s global reach and proven operational abilities provide complete peace of mind. We will help you compare and select the best travel insurance plan with affordable premiums to get the proper protection while travelling abroad.

• Check Premium Rate Instantly - Through Policybazaar, you can instantly get premium rates from a wide range of international travel insurance companies in India. You don’t have to visit the official websites of different travel insurance companies individually to check the premium rates offered by each one of them. This helps you to save a lot of time and effort.
• Compare Different Travel Insurance Plans - Policybazaar allows you to compare various overseas travel insurance plans offered by different insurers, all in one place. You can quickly check the degree of coverage various travel insurance plans provide and compare their premium. This helps you to find a suitable plan that offers maximum range at a minimum international travel insurance cost.
• Get Unbiased Comparison - We strive to provide all prospective travellers with a fair comparison of travel insurance plans. We give you a clear picture of actual coverage and the premium rates so you can decide when buying an online overseas travel insurance.
• Get Information for Free - Another benefit of using Policybazaar is that you get all the information related to different insurance for international travel, free of cost. You can access any information and can obtain it from within the comforts of your house.
• Buy Travel Insurance Policy Instantly - Policybazaar allows you to check and compare the intricacies of various travel insurance plans and lets you buy the policy which suits your travel requirements. You don’t have to visit the website of the insurance providers separately but can instead fill out the proposal form and pay your insurance premium.

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International Travel Insurance - FAQs

Q1: should i buy international travel insurance before booking a flight abroad.

Ans: There is no fixed time to buy international travel insurance online. Even if you haven’t made your flight bookings, international flight insurance benefits are offered under most plans, and you can raise claims for any flight-related issues after booking the flight. However, buying as soon as possible after paying for your tickets is recommended to cover your trip against unforeseen happenings that may occur between your flight bookings and departure date from India.

Q2. What is International Travel Insurance for Senior Citizens?

Ans: While younger people have lower health risks, senior citizens may have natural challenges due to their age. Older travellers with PEDs or over a certain age can safeguard their foreign trips with senior citizen travel insurance. It will cover many medical emergencies and other non-medical risks associated with travelling.

Q3. Are Business Travelers Eligible to Buy Overseas Travel Insurance?

Q4. do indians need insurance to travel to schengen countries, q5. what is the maximum trip duration covered under an overseas travel insurance policy.

Ans: An international travel insurance plan covers you for 180 days while travelling. This is extendable up to another 180 days. However, the maximum duration varies from insurer to insurer.

Q6. Do I Need Separate Overseas Travel Insurance for Schengen Countries?

Ans: You will need a separate Schengen travel insurance plan to cover your trip to the Schengen countries. A minimum cover of EUR 30,000 is necessary, for which specific plans are available. Even buying the best international travel insurance would not be valid for a Schengen country if it does not meet their requirement.

Q7. Can You Buy Overseas Travel Insurance After Booking a Flight?

Ans: Yes. You can buy travel insurance for overseas trips after booking your flight. However, ensure you buy it before your overseas trip from India.

Q8. Does Overseas Travel Insurance Policy Cover Airfare?

Ans: Yes. While choosing the right travel insurance for international travel, ensure that it covers the cost of airfare in case of flight delay or flight cancellation It also compensates for the cost of your airfare if you buy tickets for another flight due to delays in the inward flight arrival and missed connection flights.

Q9. Can I Buy an Overseas Travel Insurance Policy if I Have an Immigration Visa?

Ans: Yes. You can buy overseas trip insurance even with an immigration visa.

Q10. How Can I Cancel My International Travel Insurance Policy?

Ans: You can cancel your overseas insurance policy by providing your policy information, a letter stating the reason for cancellation, and a photocopy of your passport. You may also have to pay the cancellation charges.

Q11. Will I Get a Refund if I Cancel My International Travel Insurance?

Ans: You will be entitled to a refund if you cancel your policy for certain reasons. You will get a –

• Full refund if you cancel the policy before the start date of the risk period
• Partial refund deducting the cancellation charges if cancelled after the policy risk start date
• The remaining premium is minus the cancellation charges if the policy is cancelled after the risk start date and after your international travel.

Q12. How Will My Overseas Travel Insurance Policy Help Me if I Lose My Passport?

Ans: If you lose your passport, your travel insurance for traveling abroad will cover the actual cost of obtaining a duplicate or new passport. But your insurer will not cover the expenses if your passport has been –

• Confiscated by the customs or police authorities
• Left unattended in a public place
• Stolen, but you haven’t lodged a police complaint within the first 24 hours of the occurrence of the event

Q 13: Which international travel insurance is best?

Ans: The best trip insurance for international travel will depend on your budget and coverage. It should also be from a reputable insurer with a track record of efficient customer support.

Q 14: What insurance do you need for international travel?

Ans: A comprehensive travel insurance for overseas trips is recommended. It should have sufficient medical coverage, benefits like international flight insurance and overall international travel protection.

Q 15: How much will trip insurance for international travel cost me?

Ans: The international travel insurance cost will vary for people of different ages, trip durations, and locations they are travelling to. For example, the starting premiums for different travel insurance plans for the US are:

• Individual (30 years): INR 698 
• Senior Citizens (61 years): INR 1078
• Students (30 years): INR 814

Please note that these rates are for a 15-day long trip to the US for different kinds of travellers. The amount will change with country, trip length and other factors.

Q 16: Is a PAN card needed for international insurance for traveling abroad?

Ans: A KYC is required to buy travel insurance in India, however, any document listed can be used for the verification.

Q 17: How to claim international travel insurance?

Ans: You can contact the insurer's customer care or get expert claim assistance through Policybazaar.com.

Q 18: Is international travel insurance cashless?

Ans: Cashless hospitalisation is available at several international network hospitals. However, you should check with your insurer first to avoid any confusion.

Q 19: Can I buy overseas holiday insurance for all my family members?

Ans: Yes, you can buy family travel insurance for traveling abroad with family members. There is coverage for you, your spouse and two dependent children but additional members can be added at extra international travel insurance cost.

Q 20: Is foreign travel insurance useful for international students?

Ans: Definitely, Indians going abroad to study must buy overseas travel insurance for complete international travel protection. Especially if they plan to stay for a year or longer, chances of falling sick or facing emergencies increase.

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International student travel insurance premiums cheaper in India: Future-proof your overseas studies

I ndian students going abroad for higher education should opt for an international student travel insurance for comprehensive protection. It provides coverage for unexpected situations, such as study interruptions, sponsor protection and is issued for a longer time period, unlike traditional travel policies that are issued for up to 180 days. They should purchase the policy from India as it is much more affordable than buying it abroad.

A student travel insurance plan is designed for those between 16-40 years, enrolled in full-time courses at an accredited college or university and who have valid passports. It offers coverage for one to two years, with the option for renewal. This renewal option aligns perfectly with the extended timelines of academic programmes and offers a continuous safety net throughout a student’s course tenure.

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Wider coverage

A student travel insurance policy is designed to safeguard students from unexpected expenses that may arise during their educational journey overseas such as baggage loss, flight delays, medical costs, passport/laptop theft, and legal fees. Such a policy also covers mental health issues and maternity which are not covered by the regular travel insurance. International student travel insurance can be extended or renewed to accommodate changes in the student’s academic plans. The policy is renewable up to five years while a travel policy can be renewed up to one year only.

Beyond the tangible benefits of student travel insurance like safeguarding policyholder’s health and possessions, it also offers compassionate visit provisions, which cover emergency travel expenses for family members to the student’s host country or the student visiting their family, says Rakesh Goyal, director, Probus Insurance Broker. Additionally, such insurance plans offer round-the-clock assistance services, including help with language barriers, locating healthcare providers, and legal support. “Regular travel insurance may not offer these specific benefits. Students should opt for international student travel insurance for comprehensive coverage tailored to their unique needs while studying abroad,” he says.

Sponsor protection is an invaluable feature, particularly for those who rely on financial support from sponsors back in India. Manas Kapoor, business head, Travel Insurance, Policybazaar.com, says in the event of an unforeseen crisis, these policies can ensure that the sponsors’ financial contributions to the student’s education are safeguarded, reducing the stress on both policyholder and their sponsors. “Some student travel insurance policies even provide the option for a refund of tuition fees, covering interruptions in policyholder’s studies due to unforeseen events,” he says.

Premium and coverage

The premium depends on factors such as the country of travel (USA/Canada vs rest of world), duration of coverage, the level of coverage, the student’s age and any additional benefits or riders chosen. Students should buy the policy from India as it is less than one-third of the price they would have to pay abroad. The sum insured ranges between $50,000 to $1 million and students should choose an appropriate sum insured that will give them adequate protection during the entire duration of the stay.

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While cost is a major factor in this insurance, it is always advisable to get the best coverage possible. Sharad Bajaj, COO, InsuranceDekho, says the ideal sum insured depends on factors such as the cost of healthcare in the destination country, the student’s medical history, and the level of coverage desired. “It is advisable to opt for a sum insured that adequately covers potential medical expenses, including emergency medical evacuation and repatriation, without being excessive.”

Before buying a student travel insurance policy, the student must check with the university enrolled if they have any specific insurance mandates. For instance, some universities abroad would require medical and accidental cover and some might require cover for drug abuse, mental rehabilitation, cancer screening, etc. In case a student has a pre-existing disease, he should give high preference to pre-existing coverages and their conditions, limitations, or exclusions applicable.