care travel insurance india

Care Insurance Online

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Care Travel Insurance

Care travel insurance online - quotes, unique features of care travel insurance india.

• Custom designed plans for different destinations
• Pay premium only for the number of days that you need insurance cover.
• Only declared pre-existing diseases covered for life threatening conditions up to 10% of sum insured for all age groups.
• Comprehensive platinum plan (without sub-limits) for travellers of all ages.
• Covers hospitalization medical expenses and outpatient care up to sum insured
• Upgrade to business class if traveler cannot fly economy due to incurred medical treatment
• Trip delay, cancellation and interruption coverage available

Care Travel Insurance Review

Sum insured.

USD 25,000 / 50,000 / 100,000 / 250,000 / 500,000

Tenure Options

180 days( can be extended for further)

Age of Entry

1 day to 90 years

Care overseas travel insurance India - Useful links

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

Travelers who have already traveled from India and do not have insurance can buy Care travel medical insurance.

In case of Claim or reimbursement of treatment expenses, notify Care health insurance

Care travel health insurance explore the world without worry!

Insurance customers can renew their existing policy online before the exipry date at any time.

Get all the answers to the most frequently asked questions (FAQs) regarding Care travel health insurance

Care Explore travel insurance, Care international travel insurance

It will be one of your delightful experiences to go places and explore the world. While planning your trip, you leave no stones unturned, from visa formalities to booking holidays you take utmost care to ensure a perfect trip.

You will never wish for any unforeseen situations related to health while on a holiday. It may ruin your trip if your not covered with an insurance during such situations. Care brings you travel insurance for your international trip with unmatched benefits. The plans are packed with several features that can help you avoid financial loss during medical emergency.

Key highlights

• Up-gradation to Business Class for return journey of insured due to hospitalization (accident / illness).
• Covers for Trip Delay, Trip Cancellation & Interruption, Compassionate Visit, Return of Minor Child and more.
• Region specific plans to suit your needs.

Care travel insurance, Care travel health insurance - Overview

Indian tourists travelling overseas can get Care travel insurance quotes online using the Care travel insurance premium calculator . Indian tourists can also fill the Care travel insurance proposal form online . Indian international tourists can buy Care travel health insurance online either using the Credit Card purchase, Net banking, Mobile wallet or Cheque payment facilities. Please read through Care travel insurance brochure for complete benefits covered by the plan and its policy wordings which includes the terms and conditions.

Care insurance provides overseas travel insurance coverage for Indians going abroad. Popular destinations for Indian tourists include the USA, Canada, the UK, Europe (Schengen visa), Singapore, UAE and Australia. Care travel insurance for senior citizens is popular given that the coverage of 10% of the sum is insured for pre-existing conditions.

Care travel insurance is popular amongst Indians traveling the USA, UK, Australia, Asia and for Europe. As Care Explore Europe insurance plan satisfies Schengen visa requirements, Indians can purchase the plan for visa application process. The Care Explore Europe plan works both for the Schengen region as well as the United Kingdom. The Care travel insurance plan is more affordable for Canada as it is part of the Worldwide Excluding USA plan.

The Care Asia plan is popular for travel within Asia including Japan and is available for travellers up to 90 years for Six months of overseas travel. There is an Unique Explore Africa plan for travel to the African continent.

Care travel insurance plans details, Care travel insurance India benefits

Care overseas travel insurance reviews.

• Aged up to 80 years : $25,000, $50,000 & $100,000
• Ages 81 to 90 years: $25,000, $50,000
• Ideal and affordable plan for Indians visiting Asian countries as it is available for 180 days and good option for senior travelers.
• Covers pre-existing conditions under life threatening situations up to 10% of sum insured.
• Aged up to 80 years: 30,000 euros & 100,000 euros
• Ages 81 to 90 years: 30,000 euros
• Best coverage for visiting Schengen countries as it satisfies the visa insurance requirements.
• Good medical insurance cover for Indian travellers visiting UK and other European countries
• Aged up to 80 years: $25,000, $50,000 & $100,000
• Cheaper plan for visiting African countries
• Aged up to 80 years: $50,000 & $100,000
• Ages 81 to 90 years: $50,000
• Cheaper plan for visiting Canada as the coverage is excluding USA. Generally Including USA insurance plans are more expensive.
• Aged up to 60 years: $50,000, $100,000, $300,000 & $500,000
• Ages 61 to 80 years: $50,000, $100,000
• Aged up to 80 years: $50,000, $100,000
• Explore platinum plans offers comprehensive coverage without any sub limits for medical expenses.

Care Foreign Travel Insurance - Unique features

• Pre existing covered upto 10% of Sum Insured in case of life threatening only E.g. : USD 5,000 for USD 50,000 USD 10,000 for USD 100,000 .
• Age band covered from Day 1 (baby) - unlimited age.
• Sublimit option for Gold plan for all age group is applicable; but Sublimit not applicable for Platinum Plan for any age group.
• Per day rates - Premium calculated for actual days of travel i.e. Slab rates not applicable E.g. 2 days , 4 days etc.
• Explore Europe & Explore-Platinum Plans are approved by all the Schengen consulates.
• Issuance of policy through Travel Agents login - Individuals could use their credit cards for payment.
• E- Travel Insurance Card comes with every policy issued instantly. This helps the customer in case of any accident/ immediate reference in case of emergency
• Premium quoting & coverage details could be sent to customer on their email ID's automatically from the Agents login before purchase/ Issuance of the policy
• Our Policy don't have Per Aliment Limit
• Customer can Upgrade to Business class travel ticket in case of hospitalization abroad while returning (Return should be within 20days post Discharge form hospital)
• Treatment in home country covered upto 30days if the customer returns to India as per Doctor's advise post hospitalization abroad.

Care Foreign travel insurance - Unique features

• Explore Europe & Explore-Platinum Plans are approved by all the Schengen consulates up to unlimited age.

Coverage for medical needs

• Hospitalisation Cover - In-patient & Out-patient
• Pre-Existing Disease Coverage
• Double Sum Insured for Accidental Hospitalization
• Treatment in Home Country
• Medical Evacuation
• Common Carrier Accidental Death
• Dental Expenses
• Daily Allowance for Hospitalization
• 2-way Compassionate Visit
• Accidental Death/Permanent Total Disability

Coverage for non-medical needs

• Trip Delay, Cancellation or Interruption
• Loss/Delay of Checked-In baggage
• Loss of Passport
• Personal Liability
• Return of Minor Child
• Up-gradation To Business Class

Care overseas travel insurance claims procedure

• USA & Canada: +1 844 301 3135 / +1 844 301 3146 ( Toll Free)
• Rest of the world: +91-124-4498760 (Call Back Facility)
• Email: [email protected]
• Fax: +91- 124- 4006674
• India: 1800 200 4499 (Toll Free & Accessible in India only)
• Fax: 1800 200 6677

Care travel insurance plans, overseas health insurance - FAQ's

The Medical Cover component of your Car travel insurance: Covers your treatment and hospitalization if needed for an illness that happens during your travel. In the event that you need further treatment even after your return to India, the medical expenses for this ailment will be covered up to a period of 30 days or the policy end date whichever is earlier.

The Medical Evacuation component of the policy will covers the costs incurred for any emergency evacuation and transportation that is needed to transfer the insured to an appropriate medical facility within our coverage network.

The Personal Accident clause covers any adverse circumstance arising due to an accident, be it death or permanent total disability, while the insured is overseas.

Dental Expenses: Incurred in connection with any injury while on your trip are covered by the policy.

Care overseas travel insurance plan exclusions

Care travel medical insurance, care explore travel insurance - faq's.

Yes, Care overseas travel insurance has a cashless medical claim facility if it involves a minimum of 24 hour hospitalization. Any claims involving less than 24 hour hospitalization will be on settled on reimbursement basis.

• Call the relevant number specified in the policy and notify the company or the assistance service provider about the claim to be made.
• The claims team will ask you to request for cashless facility in a prescribed format.
• The company or the assistance service provider may authorize your request for cashless hospitalization.
• The claims if approved, then the policy holder has to be bear only the deductible and non-medical expenses if any and hospital bills are paid by the company as per agreed terms and conditions of the policy.
• Get the policy holder admitted into the hospital.
• Call the relevant number specified in the policy immediately and notify the company or the assistance service provider about the admission.
• The claims if approved, then hospital bills are paid by the company as per agreed terms and conditions of the policy.
• The policy holder has to be bear only the deductible and non-medical expenses if any
• Call the relevant number specified in the policy immediately and notify the company or the assistance service provider about the claim to be made.
• The assistance service provider will register your claim and provide guidance as per the requirement.
• Pay upfront and get it reimbursed later less deductible.
• Collect all the necessary bills and reports / doctor reports in original which you need to submit as proof to get the reimbursement.
• Send all the relevant documents to the Care claims department in India.
• All relevant documents will be examined and then your claim will be processed.

For Single trip there is no age limit, however for the annual multi trip coverage, the maximum age limit is 70 years.

Please fill the traveler already outside India and we will try to get approval from the underwriter to buy Care travel insurance policy.

Care has designed special travel insurance that satisfies Schengen visa requirements and is approved by VFS global . Care Explore Europe offers maximum coverage options up to 30,000 euros or 100,000 euros. Buy Now

Care Travel insurance offers coverage for pre-existing conditions under life threatening conditions. While buying the travel insurance the pre-existing conditions or ailments must be declared. The expenses are covered up to 10% of sum insured under life threatening conditions. Buy Now

Yes Care can be extended for 180 days up to a total of 365 days. Extension must be requested 10 days prior to the end date.

• Covers for hospitalization medical expenses and outpatient medical expenses.
• Customized plans for different destinations.
• Per day premium.
• Covers declared pre-existing medical conditions up to 10% of sum insured.
• Comprehensive platinum plan for travelers of all age group.
• Upgrade to business class if the traveler cannot fly in economy class due to medical conditions.
• Covers baggage loss, baggage delay, trip delay, trip cancellation and more.

An Indian resident whose age is between 1 day to 90 years can buy the Care travel health insurance. The trip should start from India and can purchase Care travel medical insurance before they depart from India.

A deductible is a specified amount which the policy holder has to pay from his / her pocket before the company pays him / her in case of eligible claims. Any claim amount less than or equal to the specified deductible amount should be borne by the policy holder.

Yes Care overseas travel health insurance covers outpatient medical expenses, doctor fees, doctor prescribed medicines. The policy holder has to bear the expenses upfront and submit the required bills for reimbursement later.

Summary of Insurance coverage provided by Care travel insurance

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Customers Testimonials

I would highly recommend nriol.com and Tata AIG for travel insurance. The purchase process was simple, the people were helpful and the rates were competitive. But, most importantly, my claim was settled promptly without much bureaucracy.

Thanks a lot for the speedy response and sending me the policy pdf. This is very useful and will be helpful for my parent's travel. I really liked the quick customer service and very happy with the response.

Thank you very much for your amazing service and response. I am really satisfied with the service and support of NRIOL. This is the second time I have benefited from the excellent service of NRIOL. I would surely recommend NRIOL to anyone looking to buy insurance for travelling abroad.

Find out more about Care overseas mediclaim insurance

Travel Reviews

Care Travel Insurance Reviews - Customer experiences and testimonials.

Proposal Form

Care travel insurance proposal form for Indians travelling overseas.

Premium Chart

Calculate the international travel insurance premium for Indian travelers travelling overseas.

Customer care

Care travel insurance customer care information for Indians travelling overseas.

Search for Care travel medical insurance

Resourceful care travel insurance links.

Care travel insurance for Indians traveling overseas.

Business travelers making multiple trips overseas annually can buy the annual multi trip travel insurance.

Care Travel Care insurance for Indians going to other Asian countries.

Senior travelers up to the age of 90 years can opt for Care Travel insurance coverage.

Applying for Schengen visa? Then this Care Schengen insurance is a good option to go for!

Buy Care family travel medical insurance online.

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Do you need health insurance? Older parents, young kids, expensive medical bills? Find the best health insurance for your needs!

Do you need travel insurance?

Do you need travel insurance? Are you traveling overseas Find the best travel insurance for your needs and have a safe journey!!

Do you need schengen travel insurance?

Do you need schengen travel insurance? Are you traveling to Europe? Buy Schengen travel insurance to satisfy Schengen visa requirements.

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• Care Travel

Care Travel Insurance

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Key highlights of care travel insurance, care travel insurance india reviews.

Care travel insurance for Covid19

• Care travel insurance now includes Covid19 coverage for medical expenses.
• The Care travel insurance includes coverage for Covid19 for all travellers when the insured is outside the Republic of India and is available up to the policy limits as mentioned in the policy schedule. The medical expenses due to Covid19 are covered if the Covid illness is contracted during the policy period according to the Policy Terms & Conditions.

Care Health Insurance Company Limited

Key features of care travel insurance.

• Care Health Insurance Company Limited is a specialist health insurer engaged in the distribution & servicing of health insurance products including Travel Insurance. Care Health Insurance is promoted by Care Enterprises Limited, a leading diversified financial services group based out of India; its other shareholders are Union Bank of India & Corporation Bank.
• One of the only insurance plans to offer coverage for Pre-existing conditions - covered upto 10% of Principal Sum Insured of Accident & Sickness Coverage for Pre-existing conditions, highest in the industry.
• Age band covered from Day 1 (baby) which is a unique cover. There is also no upper age limitation under the Care travel insurance plans. Also all Care Travel Policies don't have per aliment limit capping.
• Premium is calculated on Per day basis and not trip bands – this means that the traveller pays premium only for the actual number of days they have travelled.
• Double SI in case of accident - Customer buying USD $50,000 cover will have coverage of USD $50,000 for any Sickness related treatment and upto USD $100,000 in case claim arising due to accident.
• Treatment in home country (India) covered upto 30 days if the customer returns to India as per Doctor’s advice/recommendation post hospitalization abroad. Also, the traveller can Upgrade their return tickers to Business class travel in case of they are returning within 20 days of discharge from the hospital. These expenses will be covered under the Accident & Sickness limit.
• Not merely covering the hospital bills, Care Travel insurance also provides daily allowances for the patient during their stay in the hospital. Such daily expenses for the patient may be transportation, meals, communication expenses and more.
• Care international travel insurance covers the expense incurred for medical evacuation and transportation charges for the insured in case of the emergency medical requirement in any network hospitals that are close by.

Care international travel insurance Overview

• Unique features
• Travel Plans
• Explore Travel Plans

Some of the unique Key Features in the Care Travel insurance plans are :

• Pre-existing covered upto 10% of Principal Sum Insured for Accident & Sickness Coverage
• Age band covered from Day 1 (baby). There is no upper age limitation under the Care travel plans.
• Per day rates – Premium calculated for actual days of travel i.e. Slab rates not applicable
• Explore Europe, Explore Canada, Explore Gold & Explore - Platinum Plans are approved by all the Schengen consulates up to unlimited age cover without any restriction.
• E- Travel Insurance Card comes with every policy issued instantly. This helps the customer in case of any accident/ immediate reference in case of emergency.
• All Care Travel Policies don't have per aliment limit capping.
• Customer can Upgrade their return tickers to Business class travel in case of they are returning within 20 days of discharge from the hospital
• Treatment in home country covered upto 30days if the customer returns to India as per Doctor’s advice/recommendation post hospitalization abroad. This expense will be covered under the Accident & Sickness limit.

Explore Travel Plans – Worldwide Including & Excluding US & Canada

Sublimits applicable to gold plan only for insureds above 60 years of age, explore travel plans – asia, africa, europe and canada, below are the coverages of the explore plans of care travel.

• Pre-existing disease cover: covers the emergency medical treatment with a proportion of Sum Insured (10%) towards any pre-existing medical conditions
• Personal Accident: Covers any unfortunate situation arising out of an accident, death or permanent total disability, while you’re traveling abroad.
• Loss of Passport: Covers expenses for the issue of a new or duplicate passport of the insured.
• Up-gradation To Business Class: Compensates for up-gradation to business class for return air travel, in case of hospitalization of the insured.
• Dental Expenses: Covers emergency dental expenses incurred in connection with any injury while on your trip.
• Emergency Accident & Sickness Cover: Covers hospitalization for treatment if during your travel you are diagnosed with an illness or as the result of an accident, or any life threatening previous illness.
• Common Carrier Accidental Death: Lump sum payment of Sum Insured in case of accidental death as a passenger on a common carrier/transport.
• Daily Allowance in case of Hospitalization: In case of Hospitalization we even pay an extra specified amount per day of stay at the hospital to meet numerous incidental expenses such as attendant's meals, transportation and communication incurred etc.
• 2-way Compassionate Visit: Covers transportation expenses for one immediate family member to travel to the insured's current location in the event of continuous hospitalization for 5 days of the insured. Similarly if an immediate family member is hospitalized for a continuous period of 5 days in India, the policy covers transportation expenses for the insured’s travel to and from India.
• Compensation For Loss/Delay Of Checked-In Baggage : We cover expenses directly incurred as a result of your checked-in baggage that is lost while in custody of the Common Carrier. We also cover expenses directly incurred in case of a delay in receipt of the checked-in baggage beyond 12 consecutive hours.
• Trip Delay/Trip Cancellation Coverage: We Cover expenses incurred if your departure is delayed beyond 12 consecutive hours due to specified reasons/issues.. We even cover expenses sustained by the insured, arising out of cancellation or interruption of the trip
• Repatriation of Remains : Covers cost of repatriation of mortal remains to India.

Exclusions for Care Travel Policy

• Traveling against the advice of a physician
• Traveling with the specific purpose of receiving treatment in a foreign location
• Any dental treatment or surgery unless it is necessitated due to an accident
• Expenses arising out of or attributable to alcohol or drug use/misuse/abuse.
• Charges as a result of Spectacles, Contact lenses, Hearing aid, Routine eye and ear examinations
• War and Nuclear perils or consequences thereof.
• Ionising Radiation or contamination arising out of the same.
• Treatment of Congenital injuries or illness and treatment of anything related to birth defects
• Degenerative or oncological(cancer) diseases
• Non allopathic treatment
• Any preventive care taken including vaccinations, immunisations etc
• Any sporting activity which is in the nature of training or participation in competitions for professionals or semi professionals
• Any intentional self-injury, suicide or attempted suicide.
• Any claim relating to hazardous activities.
• The insured being involved in Breach of taw.

Care Travel FAQ’s

Travel Insurance provides protection to you and your loved ones if unfortunate things happen while travelling. Our travel insurance covers your lost baggage, flight cancellation, hospital expenses and many more.

Anyone! All Indian citizens can be covered by our travel insurance.

• Duly filled and signed Claim form A by Insurer and form B completed by hospital
• Bills / Prescriptions / vouchers / reports / discharge summary, containing the name of the person treated
• Copy of Passport of insured with entry and exit stamp
• To claim loss of baggage, proof of value of articles required

It is strongly suggested that you should carry your travel insurance while travelling. In case you forget, just ensure that you remember the policy number and customer ID to claim.

Yes, you can cancel your policy. You just need to submit a copy of your passport that no travel has been undertaken. It is that easy!

Medical evacuation provides a transfer for you to the nearby hospital or medical care centre. This insurance covers all costs incurred for any medical emergency transportation and evacuation to transfer you to hospitals within our network.

Single trip Insurance: It stands valid for a single trip and is valid for pre-defined number of days. You can opt for a policy period of up to 365 days. Multi-trip Insurance: Go for a multi trip policy if you are a frequent flyer. There are two options to choose from – Multi Trip with maximum 45 days per trip Multi Trip with maximum 60 days per trip.

For Single Trip: Insurance starts the moment you board the flight. For Multi-trips: It offers coverage of multiple trips taken by an individual in a period of one year. Coverage per trip can be 45 or 60 days.

Yes,Condition : Extension needs to be requested 10 days before the end date of policy. No extension requests will be entertained after policy end date. Maximum extension can be given for 180 days. However it is to be noted that the total duration of coverage including extension must not exceed 365 days.The policy can be extended for a maximum of 180 days. You need to call our assistance service provider to get the extension.

Yes, we provide the visitors insurance for parents with no age limit for single trip. Maximum age limit is 70 years for multi trip.

No, there is no medical examination required to buy travel insurance.

Pre-departure which reimburses trip cancellation due to natural disaster, traffic accident, illness, etc.

Yes, passport loss is covered in our Travel Insurance policy. Moreover, the cost of procurement of a temporary passport is also covered.

In case you cut short your travel, your policy can be cancelled and premium will be refunded if difference Between the date of arrival of insured and end date of policy is 15 days or more. (Cancellation charges: Rs 300 would be deducted)

Yes, we provide 24X7 assistance duration of your trip. Please call our toll free numbers for any query: In USA : + 1 844 2091106 (Toll Free) In Canada : +1 844 209 1107 (Toll Free) From the rest of the world: +91 11 40608688(Call back facility) In India: 1800 102 4488(Toll Free and Accessible in India only) Fax: 18002006677 Email: [email protected].

Yes, we offer cashless facility for hospitalization duration of your travel.

You will need to contact our Assistance Service Provider and they will arrange for cashless claims for the medical treatment. Toll free number is mentioned on the cashless health card shared with policy kit. One needs to inform the service provider of hospitalization at the time of admission..

Yes, it is mandatory to buy travel insurance before you apply for Schengen Visa. We have a plan specifically for your travels in Europe.

Care International Travel Insurance provides coverage for Single and Multiple Trips to destinations all across the world with tailor-made plans for different geographies. We even provide flexibility in the sum-insured for those plans so that you can choose the plan that suits you the best.

Deductible means the amount of a claim that has to be borne by the insured.

No. Care Travel Insurance does not require the traveler to undergo any medical test before purchasing its International travel insurance plans. Importantly, this is applicable to travelers of any age.

• Covers Medical Expenses, both for Accident & Sickness Hospitalization including coverage for Outpatient Care
• Coverage for Personal Accident and Emergency Dental expenses - Double sum insured for Accidental Hospitalization
• Offers Non medical benefits like Loss of Checked Baggage and Passport Loss
• Coverage for any Interruption, Delay, or Cancellation of the trip for specified reasons

Yes. One can buy a Single trip International Travel insurance for their elderly parents who are above the age of 70 years. The policy will cover various travel risks, including medical emergencies, personal accident, loss of passport, loss of baggage, trip cancellations, etc. The travel policy also covers any pre-existing illness that the policyholder was suffering from before getting the policy.

In some countries, having a travel medical insurance is a pre-requisite for visa application. Opting for overseas travel insurance is crucial even if it is not mandatory since it can save you from a financial crisis and the stress of travelling. It covers emergency medical treatment costs and various unforeseen expenses incurred due to trip delays, loss of passport, etc.

Yes, one should make sure to carry your travel insurance policy with you during the trip. But in case you forget to carry it with you, you must remember your policy number and the customer ID to be able to make a claim. You can also email the Care Health Customer Support and ask them to share a duplicate policy copy for your reference.

Yes. Explore from Care Travel Insurance covers any pre-existing diseases under life-threatening situations during the trip upto the limits specified under the policy. However, such diseases should be declared on the application form to the insurance company at the time of buying the policy.

Yes, the Schengen Visa Authorities mandatorily need the traveler to have an overseas travel insurance policy with a minimum Accident & Sickness Cover (Sum Insured) of EUR 30,000 in order to obtain a Schengen visa. This also has to be purchased from a Schengen approved travel insurer like Care Health Insurance.

Yes, one can cancel the travel insurance policy midway during their trip. Cancellation of the policy before the policy period end date is allowed in specific cases like denial of visa, cancellation of the trip for specific reasons, or early return to India, provided the insured traveler provides the necessary documentary proof. There will be a refund of the premium post deducting the cancellation charges, as per the terms and conditions of the policy.

Yes, it is possible to file a travel insurance reimbursement claim after returning to India, but within a period of atleast 30 days post return. Please note that the necessary claims documents need to be submitted and the reimbursement will be made within a maximum of 30 working days post submission of all claim related documents.

Yes, Care Health ‘s Explore Travel insurance plans cover any loss (subject to policy limits) of Personal Belongings belonging to the traveler due to robbery or theft. Since Credit Cards and Cash come under the category of Personal Belongings, their theft will be covered under the policy, provided the traveler can provide proof that they were carrying the cash and credit cards on them at the time of the incident.

Care Health settles insurance claims within a maximum of 30 days of receipt of all necessary documents from the insured. An offer of settlement is made to the insured policyholder following which the payment is made within 7 days from the date of receipt of its acceptance by the policyholder.

Yes, Care Health Insurance ha now rebranded itself as Care Health Insurance effective from 1st September 2020. Care Health. The company is the Health Insurance arm of Care Enterprise Ltd. According to the company’s press release, the rebranding is aimed at further building on opportunities to deliver the best possible 'Care' to its consumers.

Extension of the policy can be and should be done ideally 7 days before the expiry of the current policy period. The insured can request for extension of the policy online through the company website by entering your required details. Policy extension is possible if no claim is made for any accident or sickness hospitalization. If there are claims filed, the extension can be done subject to underwriting review.

• Pre-existing Illnesses, unless in Life threatening situations
• Self-Inflicted injury
• Congenital Diseases/Genetic Disordered
• Cosmetic Surgery
• Health issues due to consumption of drugs, alcohol, and smoking
• IVF and Infertility Treatments
• Pregnancy or Maternity related Treatment
• Voluntary Abortion

What does the insured do in the case of a claim?

Review Care Travel Insurance brochure to understand coverage details.

Proposal form

Fill the online Care Travel Insurance proposal form.

Policy wordings

Review Care Travel Insurance policy wordings which explains the terms and conditions.

Get quotes for Care travel insurance!

India travel insurance blogs and articles.

Tips to find good and adequate international travel health insurance Click here to read more

Comparison of overseas Healthcare cost and popular tourist destinations. Click here to read more

How to use Indian visitor insurance in case of sudden sickness and accidents. Click here to read more

Care travel insurance useful links

How to buy online.

You can buy insurance online by using a credit/debit card, direct funds transfer using NEFT or RTGS or by using a cheque.

Already outside India

Travelers who have already traveled from India and do not have insurance can buy Care travel medical insurance after approval.

Care Travel Insurance Online Renewal

Insurance customers can renew their existing policy online before the exipry date at any time.

Care Travel Insurance Claims & Customer care

In case of a claim or reimbursement of treatment expenses, notify Care by contacting them.

Care Travel Insurance Policy Wordings

Kindly refer the Travel Policy Insurance Wordings for complete coverage details along with terms and conditions.

How are Claims settled?

Are travel insurance directly billed or is it reimbursement basis, is there a hospital network.

Resourceful Indian travel insurance links

International Travel insurance

Travel Insurance Benefits

Travel Insurance Premium Chart

Indian travel insurance FAQ

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Care Health Insurance - International Travel Insurance Policy for NRI

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Care Health Insurance brings you an extensive travel insurance plan that curbs out the worries of uninvited troubles on your dream family holiday. Avail remarkable benefits like up-gradation to business class during medical emergencies and much more at no sub-limits and fair premium charges on a per-day basis!

International NRI Travel Insurance Plan Details

• Up-gradation to business class
• Covers both in-patient and OPD treatment
• Pre-Existing Disease covered
• 'No Sub limits' options available.
• Daily Allowance in case of hospitalization
• Medical Evacuation
• 2 - way compassionate visit
• Compensation for loss/delay of checked-in baggage, Loss of Passport
• Trip Delay/Trip Cancellation Coverage
• Other great benefits

Compensates for up-gradation to business class for return air travel, in case of hospitalization for over five consecutive days, due to injury sustained whilst on a trip.

We cover both In-Patient and Out Patient (OPD) treatment while on your trip abroad.

Even Pre-Existing Diseases are covered if they happen in life threatening emergency medical conditions.

There are no sub limits for age 60 and less in any of our plans. For age 61 & above, Explore platinum has no sub limits.

In case of Hospitalization we even pay an extra specified amount per day of stay at the hospital to meet numerous allied expenses such as attendant's meals, transportation and communication incurred etc.

Covers all costs incurred for any emergency transportation and evacuation services, to transfer you to an appropriate medical facility within our network.

Covers transportation expenses for one immediate family member to travel to the insured's current location.

We cover expenses for your checked-in baggage that you lost while in custody of the Common Carrier. We also cover expenses in case of a delay in receipt of the checked-in baggage beyond 12 consecutive hours. Even expenses for the issue of a new or duplicate passport are given by us.

We Cover expenses incurred if your departure is delayed beyond 12 consecutive hours due to specified reasons/issues.. We even cover expenses sustained by the insured, arising out of cancellation or interruption of the trip.

24/7 help line numbers, Multi trip plan options for reduced costs, treatment in home country cover, no upper age limit, personal accident cover.

Features of International Travel Insurance Plan for NRI

Care Health Insurance’s Explore gives you a Health Ki Guarantee with comprehensive  carearound the globe.

Explore V3 Key Highlights

• 7 Region Specific plan to suit your needs.
•  Schengen approved Travel Insurance
• Hospitalisation Cover- In patient and Out- patient
• Daily Allowance for Hospitalisation Expenses
• Pre- Existing Disease Coverage under Life Threatening Condition Up to 100% of SI or Max. up to $,100,000  
• Common Carrier Accidental Death and Disability
• Dental Treatment
• Return of Minor Child
• Up-gradation to Business Class
• Refund of Visa fee (if visa Rejected)
• Automatic Trip Extension
• Loss of Passport and/or International Driving License

Key Coverage for Medical Needs:

Key Coverage for Non- Medical Needs:

NRI Travel Policy Benefits and Conditions

* Family Option means covering more than one member of a family under the same Policy for same sum insured on individual basis.

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On This Page

• 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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Top Travel Insurances for India You Should Know in 2024

Byron Mühlberg

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

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

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

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

India Insurance Profile

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

Best Travel Insurances for India

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

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

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

Do I Need Travel Insurance for India?

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

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

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

VisitorsCoverage: Best Medical Coverage

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

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

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

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

Insured Nomads: Best Trip Coverage

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

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

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

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

SafetyWing: Best Combination For Youth

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

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

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

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

How Do They Compare?

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

Data correct as of 4/1/2024

FAQ About Travel Insurance to India

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

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

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

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

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

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

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

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

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

See Our Other Travel Insurance Guides

Looking for Travel Insurance to Another Country?

See our recommendations for travel insurance to other countries worldwide:

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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:

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

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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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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 ...
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International Travel Insurance

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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.

Average Rating:

Showing 10 reviews

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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Travellers book long-term insurance as Schengen visa rules come into play

Travellers have shown a remarkable interest in selecting appropriate add-ons for their travel insurance. riders covering baggage or belongings loss, trip cancellation, adventure sports coverage.

Schengen visa | Photo: Schengen visa information website

EU eases Schengen visa rules for Indians: Costs, processing time explained

Explained: how indians can now get five-year, multi-entry schengen visa, are indians eligible for 5-year schengen visa all you need to know, schengen visa to go online, no need for in-person appearance at consulate, thailand plans schengen-style visa for asia: how does it impact you, venice imposes world's first tourist entry fee: all you need to know, cred introduces offline qr code 'scan & pay' service, kiosks for merchants, rbi directs talkcharge to return funds in ppi- wallets to consumers, risky borrowing: india's household debt has likely surged to all-time high, h-1b visa holders can now sue over fraud-linked visa revocations.

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First Published: Apr 26 2024 | 2:52 PM IST

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Europe On Your Mind? New Schengen Visa Rules Boost Travel Insurance Among Indian Travellers

Reported By : Namit Singh Sengar

Last Updated: May 01, 2024, 15:59 IST

New Delhi, India

With a single Schengen visa, you can visit all the Schengen Area countries. You don't need a separate visa for each country. (Representative image)

A Schengen visa is a permit that allows you to travel throughout the Schengen Area, which consists of 29 European countries

The revised Schengen visa regulations, offering frequent Indian travellers the opportunity to obtain multi-year visas spanning up to 5 years, are poised to bolster outbound travel from India to European destinations. Also, this will lead to a gradual increase in European travellers booking long-term travel insurance.

A Schengen visa is a permit that allows you to travel throughout the Schengen Area, which consists of 29 European countries that have gotten rid of most of their border controls.

Also Read: Affordable Health Insurance Sees High Demand, Employer Policies Not Sufficient: Report

With a single Schengen visa, you can visit all the Schengen Area countries. You don’t need a separate visa for each country.

Under the recently implemented visa cascade system for India, Indian citizens are eligible to receive extended multi-entry Schengen visas lasting for two years, following the lawful utilisation of two visas within the preceding three years.

Throughout these visas’ validity, individuals from India can enter and exit Schengen countries on multiple occasions without requiring additional visas.

Travel Insurance Gets Boost

According to the latest data shared by Policybazaar, there is already a 3-4% increase in users booking travel insurance policies exceeding 45 days in April 2024, a trend expected to rise further due to the relaxed visa norms.

The insurance marketplace also shared that Schengen destinations also see a 100% jump in senior citizen travellers and a notable uptake in travellers declaring pre-existing diseases.

According to Policybazaar’s data, a whopping 82% of Indian travellers are drawn to destinations like France, Switzerland, Italy, Germany, Netherlands, and Spain in the upcoming season.

Policybazaar’s data indicated that travellers to Schengen destinations aged 70 and above have doubled in number since FY23. Interestingly, the proportion of Indian travellers aged 31-45 visiting Schengen countries has also increased compared to last year.

Not just this, this year also saw a notable 15% increase in travellers declaring pre-existing conditions (like Diabetes, Hypertension, etc) when travelling to Europe as compared to last year.

Also, this year, the travellers have shown a remarkable interest in selecting appropriate add-ons for their travel insurance. Riders covering baggage or belongings loss, trip cancellation, adventure sports coverage, and pre-existing disease (PED) coverage emerged as the most sought-after add-ons for travel insurance.

Another intriguing trend noticed was a 40% drop in users buying travel insurance in Euros, which can be attributed to the fact that embassies now accept coverage in dollars. This trend indicates a growing level of consumer awareness and knowledge.

Meanwhile, Europe’s embrace of the more advantageous visa regulations arrives just as the summer holiday season approaches, promising to stimulate the flow of Indian travellers to these destinations.

• Travel Insurance

Local election results: Labour and Tories now think Khan has won in London, amid 'wild' rumours; Cooper says party 'needs to reflect' on Gaza after council election results

The Tories suffer historic losses in the local elections, while Labour admit the party's stance on Gaza was "obviously" a factor in its failure to do even better. Meanwhile, both main parties now think Sadiq Khan has won a narrow victory in the London mayoral race, despite "wild rumours".

Saturday 4 May 2024 02:11, UK

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• Labour and Tories now think Sadiq Khan to win narrowly in London - amid 'wild' rumours
• Labour shadow minister says 'we need to reflect' over Gaza stance 
• Labour wins mayoralty in PM's own backyard
• Relief for PM as Tory mayor clings on in key race
• But Sunak admits overall results are 'disappointing'
• Tories could be 'almost annihilated' at general election
• Starmer hails Labour wins - but admits Gaza cost him votes
• And party fears possible result to come in London mayoral contest
• Vote 2024: Council results in full  | Mayoral results as they happen  | Labour will fail to gain overall majority based on council election results - projection
• Live reporting by Katie Williams , Emily Mee , and (earlier) Andy Hayes and  Ben Bloch

The final election result for today has been declared - but there will be more to come on Saturday. 

Seven mayoral contests will be announced: London, West Midlands, Greater Manchester, West Yorkshire, Liverpool City Region, South Yorkshire and Salford.

Fourteen London constituencies will also be announced, along with the London-wide top-up list that will elect another 11 assembly members.

Plus, four councils should be declared - North Tyneside, Stroud, Warrington and Epping Forest, where most of the results have already been announced.

A further eight police and crime commissioners will be revealed. 

Over the course of last night and today, Labour has gained nine police and crime commissioner (PCC) posts from the Conservatives. 

The party also held five posts, with another 10 to be declared over the weekend.

This means Labour holds 14 PCCs and the Conservatives 12, while Plaid Cymru has retained Dyfed-Powys.

While these elections get much less attention than those for mayors, councils and the London Assembly, they could be significant as they include many of the shires that traditionally lean towards the Conservatives.

We went into this set of local and mayoral elections with two big questions: Is Labour on course for a majority and how bad is it going to be for Rishi Sunak?

On the Sunak question, it's a very clear-cut story.

The Tories are having as bad a night as their worst nightmare.

There is a 19-point drop in the Conservative vote compared with the 2019 general election - one of its worst performances ever.

But it's not an all-out win for Labour, either.

Read more from our political editor Beth Rigby below...

The council is now under no overall control, with the Liberal Democrats, Labour and independents making gains. 

The Tories had held Gloucester for 20 years.

Boundary changes in the area have helped the Liberal Democrats and meant all seats were up for election this year.

It's been a bruising day for the Conservatives as the party looks on track for its worst local election result ever.

Labour has taken control of a string of Leave-voting councils, secured victory in the mayoral election in Rishi Sunak's back yard and won the Blackpool South by-election.

Our economics and data editor Ed Conway picks out the example of Rushmoor - a typically Tory-voting council which Labour has taken control of for the first time - as an example of a significant Labour win.

"Even in the late Tony Blair period... the Labour share was always low and it's just climbed up in the last few elections," he says.

"We're seeing here unprecedented results, that's underlining the national swing."

Despite Labour's success, however, there are "other stories going on", Ed notes, with the party's vote in areas with larger Muslim areas falling, potentially as a result of its stance on Gaza.

It's a huge moment for the Lib Dems as they gain Dorset Council from the Conservatives.

The party took 13 seats from the Tories to secure an overall count of 42.

If you're just catching up, our political correspondent Serena Barker-Singh can get you up to speed in the space of a minute.

There's just a handful more council results set to be declared in what has been a bumper day of local elections.

We've had a few more through this evening - including a gain for the Lib Dems from no overall control in Tunbridge Wells.

The party won eight seats there, while the Tories lost three and Labour lost one.

The Lib Dems have also held Woking council after gaining four seats.

Elsewhere, Labour has held West Lancashire , while Elmbridge , Bristol and Cherwell remain under no overall control.

In the days running up to the elections, Number 10 was verging on the unsubtle.

Senior Downing Street figures were conceding that should Ben Houchen lose the mayoralty of the Tees Valley Combined Authority to Labour, there would be a challenge to Rishi Sunak. At that point they would be unable to stem the tide of letters sufficient to trigger a vote of no confidence.

In turn, this might have triggered an unwanted and catastrophic early election.

This is unusual behaviour - for the prime minister's closest allies to be openly speculating on his survivability - yet it is a sign of the turbulence of politics of the moment.

There was method in their madness.

Read more from our deputy political editor Sam Coates below...

People in Grimsby - one of Sky News's general election Target Towns - have been offering their views on the current state of politics in the country.

Bex Wright, who owns a barbershop in the town, tells our news correspondent Tom Parmenter that people don't "have trust in the government", while customer Matt Tucker says voters are "fed up" after being promised big changes in 2019.

You can watch the full clip below, and read all of our Target Towns coverage here .

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