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• Key takeaways

Do I need travel insurance to visit India?

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

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

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

Our top picks for the best india travel insurance

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

Our top picks for travel insurance for India

Seven corners.

AXA Assistance USA

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

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

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

Risk of pickpockets and tourist scams

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

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

Risk of canceled day trips or tours

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

Risk of political demonstrations 

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

Risk of severe weather conditions

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

Best Value for Robust Coverage & Medical Emergencies

Why we like it.

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

Best Rated Overall

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

Best for Budget Friendly Travelers

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

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

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

We used these details for all of our quotes:

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

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

Example Where Plan Doesn’t Reimburse the Full Trip Cost

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

Example Where Plan Does Reimburse the Full Trip Cost

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

Providers base your policy premium on factors such as:

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

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

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

Trip cancellation insurance

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

Trip delay insurance

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

Trip interruption insurance

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

Travel medical insurance

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

Medical evacuation insurance

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

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

Insurance for personal items

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

Rental car coverage

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

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

Standard travel insurance exclusions are:

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

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

A wide range of providers offer travel insurance to India. 

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

Research your destinations.

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

Check emergency procedures.

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

Consider how you’re traveling around India.

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

Examine the risk level of activities.

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

Buy a policy as soon as possible.

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

Are there COVID-19 restrictions for U.S. tourists?

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

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

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

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

Is it safe to visit India?

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

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

Can a US citizen buy health insurance in India?

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

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

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

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

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

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

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

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

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

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

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

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• Travel Insurance

Travel Insurance: USA To India Trip

Updated: Apr 10, 2024, 1:23pm

A visit to India is on the bucket list of many American travelers. This colorful and vibrant country offers culture, history and a variety of enriching experiences. It’s very common for travelers to book 10 to 14 days abroad for a visit to India because of the distance.

Here’s what to know about getting the right travel insurance for your vacation in India.

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Purchase a Robust Travel Insurance Plan for India Travel

While travel insurance is not required for a trip to India, it is highly recommended.

“India is one of the most popular destinations among InsureMyTrip customers,” reports Gail Mangiante, lead customer advocate with InsureMyTrip, a travel insurance comparison provider.

To be best prepared for unexpected events during a trip to India, it’s smart to purchase a travel insurance policy that includes:

• Trip cancellation, delay and interruption benefits
• Medical expense and medical evacuation benefits
• Baggage coverage

Your amount of insurance coverage can vary depending on age and number of travelers, types of coverage needed and whether the cost of the trip will be insured, says Mangiante.

“Getting a quote with your details is the best way to determine the range of options” she says.

Because of the distance, expense and requirements for multiple stops, purchasing travel insurance for a trip to India is almost necessary. Here’s how you can utilize the types of coverage within a comprehensive travel insurance policy.

Trip Cancellation Insurance for India Trips

The historical significance of tourist sites in India warrants walking and long days of touring, so you want to make sure you are in the best possible health before a long-haul flight (or two) and extended days of walking.

Trip cancellation benefits will cover 100% of the non-refundable deposits you lose if you have to cancel your India trip for a reason covered by the policy, such as an accident or injury. (Read the acceptable reasons listed in your policy.) You will need to provide medical documentation that clearly states you are unfit to travel.

It’s important to know that standard trip cancellation benefits won’t apply if you change your mind and don’t want to travel. This type of “change of heart” situation is only covered by buying a “cancel for any reason” (CFAR) upgrade , which is an optional add-on to a standard policy. (Not all travel insurance companies offer it.)

This flexibility to cancel adds about 40% to your travel insurance cost. Reimbursement under CFAR is generally for 50% or 75% of your non-refundable trip costs (reimbursement varies by provider).

If you’re interested in adding “cancel for any reason” coverage it’s important to know that this upgrade has time-sensitive rules:

• You generally have to add CFAR within two weeks of making your initial trip deposit
• You must cancel at least two days before you are scheduled to depart in order to make a CFAR claim. You can’t change your mind the morning of your trip. Read your policy to understand the parameters.

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Using Travel Delay Benefits

Because flying to India often requires a stop-over, it is a good idea to make sure your travel insurance plan has trip delay benefits. If your flight is delayed and you miss a connection in London, for example, your trip delay insurance can reimburse you for the additional costs to catch up to your trip.

Reasons that can trigger trip delay coverage include inclement weather or a mechanical failure of the common carrier, says Megan Moncrief, a spokesperson for Squaremouth, a travel insurance comparison site

If India is one destination on a longer journey with multiple flights, trip delay benefits are especially important.

Coverage for Trips Cut Short

Any trip could be cut short by unexpected and unfortunate issues. For example, if there is a death of an immediate family member and you need to cut your trip short and return home, trip interruption benefits could save you thousands of dollars, especially when you are halfway around the world.

Last-minute international flights can be very costly. In addition, if you pre-paid for hotel lodging or a private tour company, trip interruption insurance can reimburse you for the unused part of your trip.

When visiting India you might wish to consider coverage related to cyclones, depending on the region you’re visiting, says Scott Adamski, a spokesperson with AIG Travel. If you need to cut your trip short due to a national emergency, contact your travel insurance carrier for assistance.

Medical Coverage When Visiting India

Most U.S. health insurance plans do not cover overseas medical expenses, or have only limited coverage. Medicare does not cover health care outside the U.S.

Travel medical insurance plans can help you in India if you become sick or injured. For example, if you are touring historical sites and become dehydrated and faint due to the heat, you will require medical attention. Medical travel insurance benefits will cover costs such as being treated by a physician in India.

Not all travel medical plans cover Covid. Even if you’re fully vaccinated you may want a plan that will cover Covid-related medical expenses in case you contract the virus during your trip. Work with a travel insurance agent to identify the travel insurance policies that cover Covid and the other coverage types you want. 

In addition, your travel insurance company’s 24-hour emergency assistance hotline can be a resource to help you find a clinic or medical office where they can treat your condition.

If you require emergency transportation to an adequate medical facility treatment, medical evacuation insurance will cover the cost. If you are in a remote village, for example, you may need to be transported to a major hospital for care, depending on your condition.

Squaremouth recommends at least $100,000 in medical evacuation coverage in the event you require a medical transport back to the U.S.

Travel medical and emergency evacuation coverage can both be added to a comprehensive travel insurance plan with trip cancellation coverage and other valuable benefits.

Losing Your Belongings in India

When traveling in India, particularly in crowded tourist spots, you should take precautions and be mindful of your surroundings. Even though you’re careful, you could still fall victim to crafty and experienced petty thieves. Your wallet could be grabbed, your cell phone can disappear from your back pocket or your camera could be stolen from the side of your table while you’re eating lunch.

A travel insurance policy can pay out for the theft of personal belongings under the baggage coverage . If you do experience theft, be sure to contact the local authorities to file a report and alert your tour operator (if you have one) that you were robbed. Be sure to take an inventory of what you’re missing and provide receipts and supporting documentation if you file a claim.

Travel Insurance Requirements For India

Testing and vaccination requirements to enter india.

Fully-vaccinated travelers are welcome to enter India. Any primary series considered as fully vaccinated in the U.S. will carry over as compliant. Although you do not need to register in advance, you should carry your vaccine card with you.

Unvaccinated travelers will instead need to bring proof of a negative PCR test taken within 72 hours of departure.

Related: When Should I Use a Home Covid Test?

Testing and Vaccination Requirements To Enter the U.S. From India

As of June 12, U.S. citizens returning from India to the United States no longer need to provide a negative Covid-19 test in order to return home. The Centers for Disease Control and Prevention (CDC) lifted the previous mandate that had required travelers to supply a negative Covid test or documentation of recovery in order to re-enter the U.S.

However, if you’re not a U.S. citizen or are on an immigrant visa, you’ll still need to show proof of vaccination to fly to the U.S. from India.

Get Travel Insurance Before Your Next Trip

Get Forbes Advisor’s ratings of the best insurance companies and helpful information on how to find the best travel, auto, home, health, life, pet, and small business coverage for your needs.

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Erica Lamberg is a personal finance and travel writer based in suburban Philadelphia. She is a regular contributor to USA Today and her writing credits include NBC News, U.S. News & World Report, Business Insider, Oprah Magazine and Creditcards.com. Erica is a graduate of the University of Maryland at College Park.

Amy Danise is the managing editor for the insurance section at Forbes Advisor, which encompasses auto, home, renters, life, pet, travel, health and small business insurance. She is a highly experienced editor, writer and team leader with an extensive background in the insurance sector. With a career spanning more than three decades, she has focused her work on consumer-oriented publications.

Top Travel Insurances for India You Should Know in 2024

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

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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

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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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What is travel insurance?

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

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

Features of ICICI Lombard's travel insurance

No medical check-up.

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

Trip cancellation & interruption cover

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

Loss of passport

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

Personal liability cover

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

Reimbursement of non-refundable prepaid payments

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

Advantages of buying ICICI Lombard's travel insurance policy

Medical benefits.

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

Travel benefits

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

Luggage benefits

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

Other benefits

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

24×7 assistance

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

Trip cancellation and interruption

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

Burglary cover for home contents

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

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

Hospitalisation.

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

Lost and delayed baggage

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

Third party liability

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

Emergency cash

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

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

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

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

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

Illness caused due to addiction to alcohol, drugs

Illness such as anxiety, depression

Sickness due to venereal diseases

Sickness caused due to radiation, nuclear weapons & more

Injuries caused due to adventure & other sporting activities

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

Naturopathy treatment, ayurvedic / homeopathic therapies

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

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

Policy documents:

Why should you purchase an online travel insurance plan.

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

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

Types of travel insurance plans in India

Single trip travel insurance.

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

Multi-trip travel insurance

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

Schengen travel insurance

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

Student travel insurance

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

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

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

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

Eligibility criteria for travel insurance plans

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

How to buy a travel insurance policy online?

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

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

Pick the ideal plan that suits your needs.

Pay online using our secure payment gateway.

Get instant cover for your trip abroad.

Additional coverage under travel insurance plans

Repatriation of remains.

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

Hospital daily cash allowance

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

Countries that need an international travel insurance policy

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

How to calculate travel insurance premiums online?

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

Tips to lower your travel insurance premium

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

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

Claim procedure for travel insurance policies

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

Things to consider while buying travel insurance online

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

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

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

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

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

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

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

Our customers have rated us

Ashish Agarwal

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

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

Shoubhik Chakraborty

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

K. Thothathiri

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

Suparna Shankar

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

Sanober Garda

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

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Travel Insurance 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.

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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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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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• Choose The Best Travel Insurance In India In 2024 With Our Guide

15 Nov 2021

Traveling comes with its fair share of adventure and entertainment. But we often tend to overlook unfortunate scenarios like a medical emergency, a sudden illness, or an accident. Read our travel insurance in India guide to insure your trip hassle-free. We will provide you complete information about the eligibility criteria for insurance, inclusions, claims process and more.

5 Reasons Why You Need Travel Insurance In India

Today, more people are traveling than ever before. Be it for pursuing higher education, leisure, or business, travel has become a significant part of our lives. However, with the increase in frequency, the risks associated with the personal safety of travelers have also increased. Here’s how travel insurance in India comes in handy if you find yourself in an unforeseen situation:

• The best travel insurance for visiting India will provide coverage against baggage loss and delay as well as flight cancellation and delay. You can claim your rescheduled flight fees if you miss your connecting flight because of adverse weather, strikes, or technical issues.
• The best domestic travel insurance will come to your rescue in the face of an airline strike, an act of terror, or a natural disaster. From reimbursing non-refundable fees to finding an alternate mode of transportation, the insurance has you covered.
• In a country like India, medical treatment can cost you a bomb. Also, in remote towns, you may find that medical facilities are inadequate. If you suddenly fall ill or meet with an accident, you might have to be airlifted to the hospital. It is a smart move to invest in travel insurance, especially in India where healthcare costs are expensive.
• The risk of losing a tooth in a bad fall can give any traveler nightmares. In this scenario, you will have no choice but to seek immediate medical intervention. Luckily for you, your travel insurance will also cover your dental expenses .
• If you get stranded and have no clue what to do, travel policy in India will provide you emergency accommodation until it is safe for you to fly back home.

Must Read: Diwali Celebration In India: An Extensive Guide To The Festival Of Lights

Eligibility Criteria For Buying Travel Insurance In India

Suggested Read: 15 Must-Attend Events And Festivals In December In India: Block Your Dates & Head Out!

Claims Process For Travel Insurance In India

In case you encounter an emergency situation while traveling, call up your travel insurer to understand the claims process. The insurer’s email address and contact number are always mentioned on the document. The next step is to send relevant documents (specific to one’s case) by email or fax. Supporting documents usually include claim form, a copy of the policy, original receipts and bills, a copy of the passport, and ID proof.

Once you submit the required documentation, the insurer will check them and subsequently, process the claim. Make sure to always carry the travel insurance policy document with you while traveling. We suggest you keep photocopies of the document handy in case you lose the original. A good idea would be to keep a soft copy of the document stored on your phone.

Suggested Read: Visit 14 Luxury Holiday Destinations In India For A Lavish Stay

How To Choose the Best Travel Insurance In India

Here are a few points that you must consider before purchasing a family plan for travel insurance in India:

• Consider a travel insurance plan that offers maximum coverage amount.
• Invest in a policy which has a low period to cover pre-existing diseases.
• Pick the right sum insured based on your age and marital status.
• Opt for travel insurance in India from an insurance company that has a high claim settlement ratio.
• Take a policy that offers the highest sub limits on per day expenses and room rent. This would help you to avoid paying additional costs from your pocket.

Further Read: 30 Amazing Places In India To Celebrate New Year

It’s highly recommended to buy a travel plan to take care of risks or losses that might occur during the trip. This Insurance is meant to protect you & your loved ones from unforeseen circumstances, even if you are not with them. Do not rush. Think before buying your travel insurance and embarking on your next international trip with TravelTriangle.

Disclaimer: TravelTriangle claims no credit for images featured on our blog site unless otherwise noted. All visual content is copyrighted to its respectful owners. We try to link back to original sources whenever possible. If you own the rights to any of the images, and do not wish them to appear on TravelTriangle, please contact us and they will be promptly removed. We believe in providing proper attribution to the original author, artist or photographer.

Please Note: Any information published by TravelTriangle in any form of content is not intended to be a substitute for any kind of medical advice, and one must not take any action before consulting a professional medical expert of their own choice.

Frequently Asked Questions About The Best Travel Insurance In India

What are the different types of travel insurance?

The different types of travel insurances are – 1. Domestic Travel Insurance 2. International Travel Insurance 3. Corporate Travel Insurance 4. Student Travel Insurance 5. Medical Travel Insurance

Which are the best travel insurance companies in India?

The following are the best travel insurance companies in India: 1. Tata AIG Travel Insurance 2. Apollo Munich Travel Insurance 3. Religare Travel Insurance 4. Bajaj Allianz Travel Insurance 5. HDFC ERGO Travel Insurance

Which travel insurance is best for the USA from India?

Tata AIG Travel Insurance is considered to be the best travel insurance for the USA from India.

What does travel insurance covers you for?

Travel Insurances coverage of the traveler’s various concerns during their trip. Travel Insurance covers the following items 1. Trip Cancellations 2. Medical Emergencies 3. Travel Delays 4. Lost Luggage 5. Illness

Can I cancel travel insurance? Are there any cancellation charges?

You can cancel your travel insurance plan only within the review period of the insurance company. There are no cancellation charges if you cancel your ticket within the Money Back Guarantee period of the insurance company.

Can I get travel insurance if I have heart disease?

Yes, but only if your doctor allows you to travel. Free Spirit Travel Insurance Company offers the best medical travel insurance.

Can I purchase travel insurance in India for someone who is unrelated to me?

No. You can buy travel insurance in India for your immediate family members only.

What is medical evacuation and repatriation cover?

Medical evacuation means arrangement for transportation required to move an insured to the nearest hospital and repatriation means arrangement for transportation required to move an insured to his/her country of residence following an emergency.

Are there any pre-policy medical checkup required for travel insurance in India?

No, there is no pre-policy medical checkup required for travel insurance in India. Just declare the pre-existing disease condition and you are good to go.

Can I purchase my parent’s policy if I want them to visit me?

Yes, you can be their proposer and buy travel insurance policy in India for your parents.

What is single and multi-trip insurance?

Single trip insurance stands valid for a single trip and for a pre-defined number of days. On the other hand, people who go on frequent trips should go for a multi-trip insurance policy.

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Travel Insurance India

For your holidays in india and abroad.

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

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

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

How does travel insurance for india work.

• Do I need Travel Insurance for India? 

How Much Does Travel Insurance Cost for India?

Our suggested axa travel protection plan.

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

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

• Traveling with pre-existing Medical Conditions? 

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

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

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

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

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

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

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

Medical Benefits: 

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

Baggage Benefits: 

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

Pre-Departure Travel Benefits: 

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

Post-Departure Travel Benefits

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

Additional Optional Travel Benefits 

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

Do I Need Travel Insurance for India?

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

Why? There are several reasons:  

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

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

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

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

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

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

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

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

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

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

AXA covers three types of medical expenses:

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

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

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

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

Traveling with pre-existing Medical Conditions?

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

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

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

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

2.When should I buy Travel Insurance to India?

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

3.Do Americans need travel insurance in India?

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

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

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

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

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

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

AXA already looks after millions of people around the world

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

Get AXA Travel Insurance and travel worry free!

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

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11 Best Travel Insurance in India 2023

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

Table of Contents

Best Travel Insurance for the USA Travel

#1. icici lombard travel insurance.

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

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

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

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

The policy does not cover

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

Best ICICI Lombard Travel Insurance Plans

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

What I Liked

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

What I Didn’t Like

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

#2. Religare Travel Insurance

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

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

Best Religare Travel Insurance Plans

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

Cheapest Travel Insurance for Schengen Visa

#3. bharti axa travel insurance.

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

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

Schengen Product Plans

Medical expenses include repatriation and emergency medical evacuation.

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

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

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

Bharti AXA Travel Insurance Plans

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

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

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

#4. Reliance Travel Insurance

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

Benefits of Reliance Schengen Travel Insurance

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

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

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

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

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

Best Reliance Travel Insurance Plans

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

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

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

What I Didn’t Liked

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

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

#5. Future Generali Travel Insurance

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

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

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

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

Travel Insurance Coverage

Medical expenses include medical evacuation and repatriation of remains.

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

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

Best Future Generali Travel Insurance Plans

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

Best International Travel Insurance (Overseas)

#6. sbi general travel insurance.

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

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

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

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

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

Best SBI General Travel Insurance Plans

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

#7. TATA AIG Travel Insurance

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

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

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

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

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

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

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

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

Best TATA AIG General Travel Insurance Plans

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

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

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

#8. IFFCO Tokio Travel Insurance

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

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

Hospital daily allowance is for 20 days

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

Best IFFCO Tokio General Travel Insurance Plans

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

#9. HDFC Ergo Travel Insurance

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

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

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

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

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

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

Best HDFC Ergo General Travel Insurance Plans

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

#10. Bajaj Allianz Travel Insurance

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

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

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

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

Best Bajaj Allianz Travel Insurance Plans

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

Best Domestic Travel Insurance in India

#11. apollo munich travel insurance.

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

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

Best Apollo Munich Travel Insurance Plans

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

10 Benefits of Travel Insurance

#1. medical expenses (accident or sickness).

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

#2. Personal Accident Cover

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

#3. Baggage Loss or Delay

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

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

#4. Trip Delay or Cancellation

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

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

#5. Passport Loss

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

#6. Emergency Medical Evacuation

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

#7. Missed Connecting Flights

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

#8. Emergency Cash Advances

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

#9. Repatriation of Mortal Remains

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

#10. Compassionate Visit

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

Things You Should Consider While Buying Travel Insurance

#1. covers for pre-existing medical conditions.

Disclosing pre-existing is helpful while taking travel insurance.

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

#2. Limits on Trip Duration

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

Travel insurance policies are of three types

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

#3. Level of Cover for Adventure Activity

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

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

#4. Individual Claim Limits

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

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

#5. Cover for Loss of Personal Belongings

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

#6. Travel Destinations

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

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

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

#7. Background of the Insurance Company

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

When Should You Buy the Best Travel Insurance in India

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

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

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

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

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

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

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

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What is Travel Insurance?

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

How to Buy Travel Insurance Plan?

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

When to Buy Travel Insurance?

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

Why Buy Travel Insurance Policy?

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

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

Who Should Buy a Travel Insurance Plan?

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

Advantages/Benefits of Niva Bupa's Travel Insurance Policy

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

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

Get the most value from TravelAssure

Extension of the Policy Period for a Single Trip Policy

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

Contact Details for extending coverage

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

Types of Travel Insurance Plans in India

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

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

Eligibility Criteria for Travel Insurance

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

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

Considerations Before Buying Travel Insurance Policy

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

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

COVID-19 Coverage

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

Frequently Asked Questions

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

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Ranked #1 Travel Insurance for Schengen Visa

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

Picture this – you’re about to set off on an exciting holiday. You’ve got your travel visa, your tickets, hotel bookings and everything else in order. You land at your destination and find that your luggage has been misplaced. Or worse, you’re the victim of theft and you are left in a foreign country without your passport or any cash! Dealing with these situations can be expensive and difficult – especially if you’re in a country where you don’t speak the language. But that’s precisely why travel insurance is so crucial!

Travel insurance is the assurance that your journey will be protected and insured from possible risks that may come unexpectedly on unknown lands. Travel insurance is a unique product that offers you financial help in case something were to go wrong while you’re travelling. It covers a range of scenarios, including medical and dental emergencies, theft of your money or passport loss , flight cancellation and misplaced or lost luggage.

Depending on where you’re going, the purpose of your visit and how often you travel, you can select a travel insurance policy that best suits your needs. A single-trip travel insurance plan is ideal if you’re travelling domestically or internationally and only travel once in a while, a single trip travel insurance can be purchased for yourself or for your family, for more information, check our family travel insurance . If you travel often for work, you may want to opt for a multi-trip travel insurance plan or an annual travel insurance plan. This way, you can save on the hassle of applying for a new travel insurance policy before each trip. We also offer customised travel insurance plans for senior citizens and students who are heading abroad to continue their education. No matter what your travel needs, we’ll find a travel insurance policy for you

Travel Insurance With COVID-19 Covered*

Start every journey with a travel insurance plan, what’s covered under tata aig travel insurance, our travel insurance policy will help you take care of a number of situations, ensuring the mental peace you truly deserve:, covid-19 covered.

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

Trip Cancellation Compensation benefit under Trip Cancellation is offered if the insured, the insured’s Travel Companion or The Immediate family of the insured or the Insured’s Travel Companion are diagnosed with COVID-19 before commencing their international trip. They cannot travel until they have received a negative COVID-19 report. If one has a valid travel insurance plan and they cancel a booked trip as a result of COVID-19, we will reimburse you the unused and non-refundable amount of your prior bookings, such as hotel booking, and ticket costs. You would be eligible for these benefits only if you booked and paid for such services before being diagnosed with COVID-19.

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

Automatic extension Given the current circumstances, it is too early to predict if a lockdown will be enforced in the future. Consider the possibility of being trapped on vacation overseas because the country announced a statewide lockdown due to COVID-19. Flight delays or cancellations are extremely dangerous under such circumstances. Tata AIG Travel insurance coverage will cover your trip extension for a maximum period of 7 days if a lockdown is imposed in the destination country and no alternative mode of transport is available. Subject to Terms & conditions.

Baggage Covers

Delayed Baggage Almost everybody has a story about a time when they travelled and their luggage was accidentally sent elsewhere or unnecessarily delayed. If this happens and you have our travel insurance policy, you can rest easy. Your travel insurance plan will help cover the cost of any necessary personal items that you need to purchase until your bag can reach you.

Lost Baggage Having your baggage delayed is one thing, but if your bag is lost or stolen, managing the situation can be incredibly difficult. Luckily, our travel insurance policy can help you deal with this issue. Depending on the travel insurance policy terms, we will help reimburse you for the items in your luggage.

Journey Covers

Lost Passport Obtaining a new passport in a foreign country isn’t always easy. Your international travel insurance policy will help you with the necessary and reasonable expenses that are attached to getting a new passport made.

Assistance While Travelling If things go a bit wrong when you’re out of the city, you may need some assistance. Our travel insurance plan will help provide you with all necessary assistance required, right from legal help to getting lost luggage and passports replaced. Our travel policy will even help with emergency travel services, cash transfers and advances.

Personal Liability Accidents can happen at any time under any circumstance. If you happen to be involved in an accident where somebody else is harmed or injured, it could cost you quite dearly. Our travel insurance policy will help cover any damage caused to any third-party individual or property while you’re travelling. It’s important to remember that the travel policy will not cover your family members or individuals who live with you.

Hijack Help Our travel insurance policy will offer something known as distress allowance in case the flight that you’re travelling on is hijacked.

Delayed Flights Bad weather or a local strike could delay your flight by more than 12 hours. If this is the case, you might have to book another night’s stay at a hotel or incur some other additional expenses. Our travel insurance policy will help you take care of these expenses if your flight happens to be delayed.

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

Trip Curtailment or Cancellation In case there’s an emergency and you have to travel back or cancel your entire trip, don’t worry. Our travel insurance plan will reimburse you for any unused, non-refundable hotel and travel expenses.

Medical Covers

Medical Emergencies Your travel insurance policy will help you deal with the financial implications that come with meeting with an accident or falling ill while you’re travelling. The policy will cover everything right from a regular illness that requires hospitalisation to dental emergencies and even fatalities. If you happen to fall ill or meet with an accident at the tail-end of your journey, you don’t have to worry. If you’re in hospital and your policy expires, we will continue to cover you for the next 60 days or until you are discharged, whichever is earlier.

Medical Evacuation Your travel insurance policy is your friend in times of need. If you require emergency medical evacuation to the nearest hospital, this policy will take care of that. In case you need to be evacuated and brought back to India for medical treatment, the travel insurance policy will look after that as well.

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

Compassionate Visit If you need somebody to help you out when you’re in hospital, we’ll provide a two-way ticket for a family member to come and take care of you.

Interruption of Study If you’ve purchased a student travel insurance policy , this is especially for you. If have to interrupt your education because you or a family member are ill, we’ll reimburse you any unused tuition fee.

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

Advantages Of TATA AIG Travel Insurance

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

Affordable International Policies

Our travel insurance policies will not cost you too much. You can enjoy care-free travel for as little as INR 40.82 per day when you’re travelling internationally.

Affordable Domestic Policies

Explore the many beauties scattered across India and get travel insurance cover for just INR 26 per day!

Instant Policy Purchase

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

Hassle-Free Claim Procedure

We actually mean it when we say we make travel insurance claims simple. Tata AIG understands how much money and time you have already invested in your travel. That is why we have kept all of our procedures extremely easy, fast, and paperless since we believe that everything should be digital. As a result, there is no need for hardcopy evidence. For us, a simple upload on our portal works.

24/7 Customer Assistance

A decent travel insurance coverage is unaffected by time zones. Whatever time it is in your corner of the world, competent support is only a phone call away owing to our in-house claim settlement and customer assistance team. We are ever-ready to assist you every step of the way.

What Our Customers Are Saying

Ease of doing business

Online policy, very fast and immediately policy certificate, great n superb experience

The website is friendly and easy to use.

Seamless experience

The buying of the policy had to wait till we received the Covid-19 Negative from diagnostics though we both have taken first and second Vaccination Doses.

The buying process has been exceedingly convenient.

Hope your claims payment (if at all we need any) is as good and fast as the buying of the policy has been.

I TRUST in TATA AIG and have insured my cars too.

Really smooth...and great clean interface... God forbid we have to use the policy during travel...I hope the support for same is as good or better.

Value for money

User friendly site

Trust in TATA product. Keep the faith in the Indian customer.

Good processing and excellent insurance

I am not sure if there is any other insurance company in india which is providing Covid 19 coverage for travel insurance

Ease of processing very good. Policy document provided all the details given while filling the online application form

Best of the rest

Easy and convenient

Great Buying Experience

its very fast, easy to get. No hassles

The Perfect Travel Insurance Plan 

A good and user-friendly travel insurance package will make your vacation a memorable one. It protects you at various stages, with financial coverage being the primary focus. Selecting the finest travel insurance package for your family and yourself should not be rushed. Choose intelligently and save money by not taking the first choice you see for hassle-free and safe travel. A travel insurance policy acts as a cushion to absorb the impact of a misstep, making your vacation more enjoyable and memorable.

This is why TATA AIG offers multiple travel insurance plans. We have specialised travel insurance policies for domestic and international travel. Additionally, we have customised travel insurance policies for senior citizens and students who are heading abroad to expand their horizons. Let’s take a look at what each travel insurance policy offers, so you can find the right one for you. To know what to look for in a Travel Insurance, check our Best Travel Insurance Plan Guide. To Understand the various types of Travel Insurance Plans we offer & to understand how to compare in between them, check our Compare Travel Insurance resource.

International Travel Insurance

Travelling to a foreign country, whether for work or vacation , doesn’t have to be stressful. With our international travel insurance policies, you can rest easy knowing that we’ll help you out should anything go wrong. Right from small inconveniences, such as having your bag arrives late, to serious issues like medical emergencies and evacuation, TATA AIG’s international travel insurance plan will be with you at every step of the journey. We highly recommend this travel insurance policy for everybody headed outside the country. If you’re likely to make multiple trips in a single year, we recommend our multi-trip travel insurance plan.

Domestic Travel Insurance

Just because you aren’t travelling abroad, it doesn’t mean you don’t need travel insurance. This travel insurance plan will help you deal with various situations while you’re travelling across India. Right from reimbursing you for the cost of lost tickets to taking care of you after an accident while you’re out of town, this travel insurance policy is your ideal travel partner! If you travel very often, we recommend that you opt for our multi-trip travel insurance policy. This makes it easier for you to go on quick trips without having to apply for a new travel insurance plan each time.

Student Travel Insurance

We would like to support you as you follow your dreams. This is precisely why we’ve created a specialised student travel insurance policy. If you’re between the ages of 16 and 35 and you’re about to head abroad to further your education, this is the travel insurance plan for you. Apart from the usual travel insurance cover, this policy additionally provides cover for unique situations, such as reimbursing students the tuition fee if they’re unable to complete a semester due to a medical emergency. This travel insurance plan also provides cover for compassionate visits, ensuring you don’t have to be alone if you’re hospitalised!

Senior Citizen Travel Insurance

Why should young people have all the fun? Travel insurance for senior citizens is suitable for people over the age of 70, much like health insurance is adapted to the age factor. The elderly enjoy travelling after retirement, and they frequently travel alone or in pairs. This sort of plan shields them against unforeseen events. Senior citizens over the age of 70 can travel and enjoy the world just as much as their children and grandchildren. Our senior citizen travel insurance policy has been created keeping their needs in mind. This travel insurance plan offers additional cover for medical emergencies, including dental coverage, emergency medical evacuation and the repatriation of remains.

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

Even while we would prefer to cover all conceivable risks, many circumstances are simply not practical. We prefer total openness with our consumers. So here is what our travel insurance plans don't cover:

Baggage Exclusions

• Loss of baggage will not be covered in cases where you have shipped the items separately or before your travel date.
• It will also not be covered in cases where your travel insurance policy does not cover the geographic region. For example, under a student travel insurance policy, if the bags are lost in India, it will be not be covered.
• If you do not report that your luggage, documents or personal belongings have been stolen to the relevant authorities, you cannot make a legitimate claim for them against your travel insurance policy.

Journey Exclusions

Under certain circumstances, we will not be able to settle claims against your travel insurance policy. These circumstances include:

• Involvement in illegal activities, including felony, theft, deceit or other malicious acts.
• Participation in adventure sports, like skydiving, scuba diving, or mountain diving will not be covered under our travel insurance plans.
• Undertaking manual labour or work that could potentially harm you or be dangerous for your health.

Medical Exclusions

Your claim request against your travel insurance plan will not be entertained if

• You have travelled against the advice of your doctor
• You suffer from a complication or require assistance due to a pre-existing health condition
• You have injuries that are self-inflicted
• Your claim is for pregnancy or a related issue, including birth control or surgical procedures
• The issue is related to a sexually transmitted disease, mental disorder, and injuries due to the consumption of alcohol or drugs that were not medically prescribed.

Did Not Find What You Were Looking For?

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

Your travel insurance policy will depend largely on your destination. For starters, you must decide whether you’re travelling internationally or domestically. Based on this, you can narrow down your options. If you’re travelling internationally, it’s important that you check the travel insurance requirement of various countries. For example, certain countries will not issue you a travel visa unless you can show that you have sufficient cover in your travel insurance policy.

Travel Frequency

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

Duration Of The Trip

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

People Travelling

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

Claim Limit

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

How To Buy Travel Insurance Online?

Purchasing a travel insurance policy requires a lot of thought and consideration. To help you with your decision, here’s a look at some important factors you must consider before choosing a travel insurance policy: To understand the factors that effect your travel insurance premium, check our Travel Insurance Premium Calculator

If you like, you can read about our various plans and take a look at what each offers. Or, you can decide to purchase travel insurance right away.

If you’re heading to multiple cities or countries, don’t worry. We offer plans for that as well. Type in all the countries or cities you’re visiting and how long you’ll be travelling for. We’ll use this information to curate the best travel insurance policy options for you.

If you’re travelling alone, you just need to enter your date of birth. If you’re travelling with family members, you can add them to the same travel insurance policy. You have the option to add your spouse, children and parents to the policy as well. Let us know who you’re travelling with and their dates of birth as well.

Depending on your needs, we’ll curate three plans for you. If you aren’t sure how the plans differ, you can use our ‘Compare’ option to see what kind of additional benefits or different sums insured each travel insurance plan offers. If you’re concerned about the cost, you can also view our premium break-up, so you know exactly what you’re paying for. After comparing the plans, you can pick the one that best fits your needs.

The last thing you need to do is provide us with a few more details and pay the premium amount. The minute you do this, we’ll issue your travel insurance policy and send a copy to your email inbox!

How Can I Make A Travel Insurance Claim?

For Policies that Cover Only India Travel Give us a call on +1 800 11 99 66 from BSNL/MTNL Landline Call these local helpline numbers in your respective cities from any other line: Mumbai - 66939500 Pune – 66014156 Delhi – 66603500 Bangalore – 66272829 Chennai – 66841050 Hyderabad – 66629882 Ahmedabad – 66610201 If you are a senior citizen, give us a call on + 1 800 22 99 66 Or, send an email to [email protected]

Domestic Claim

International claim (non america travel).

For Non - Americas Policies:

• Call: +91 – 022 68227600 (Call back facility available)
• Email: [email protected]
• E-claims: https://eclaimsuat.europassistance.in/nearestLocations4

International Claim (America Travel)

For Americas Policies Number

• Call: +1-833-440-1575 (Toll free within US and Canada)
• Email: [email protected]

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Frequently Asked Questions

Policy related, service related, why do i need travel insurance, what is the best travel insurance policy, does the tata aig travel insurance policy some with a free-look period, do i get a grace period for my travel insurance policy, can i buy travel insurance after leaving the country, will pre-existing diseases be covered under my travel insurance policy, will i be refunded if i cancel my travel insurance coverage, how does a travel insurance policy work, can an individual purchase international travel insurance after they have booked their trip, how do i check the status of my travel insurance policy, what happens if my claim is rejected, how do i make a claim against my travel insurance, how would my policy assist me if i misplace my passport, how is a policyholder covered if they have an accident and incur injuries or loss, what documents are needed when filing a travel insurance claim, understanding travel insurance terminology.

• Accident Any unplanned mishap that happens due to no fault of the insured or others. It could lead to injury or a fatality.
• Act of Terrorism Any act of violence from an individual attempting to gain control of or overthrow a government that leads to major damage or loss of life.
• Common Carrier Any commercial individual or organisation that deals in the movement of people and goods from one place to another, such as a commercial airline.
• Condition Precedent A condition upon which the insurance provider agrees to provide cover.
• Congenital Anomaly Any condition that is present in the insured individual since birth and is considered to be abnormal in structure, form or position.
• Deductible A deductible is a small amount that the insured individual is required to pay every time they file a claim against their international student travel insurance policy.
• Disease/Illness Any pathological condition that impairs your body’s normal physiological functions. For cover, the disease or illness should show first signs or symptoms while the policy is in effect and should require medical treatment.
• Educational Institution A school, vocational institute, college, polytechnic, university or institute of higher learning that has the license to provide educational services by trained or qualified teachers and where the inured individual is a full-time student.
• Equipment Failure A sudden or unforeseen breakdown of the common carrier’s equipment, which results in a delay or interruption of the insured’s scheduled trip.
• Free Look Period A period of 15 days, from the day the insured receives the policy documents for a student travel insurance policy. During this time, the insured can look over the documents and choose to cancel the policy without incurring substantial cancellation charges.
• Grace Period A specific period of time, immediately following the premium due date, during which the insured can still pay the premium and continue to enjoy continuity benefits of getting cover.
• Hospitalisation Any instance in which the insured individual has to be admitted into a hospital for a minimum of 24 hours to receive treatment.
• Immediate Family Member An immediate family member refers to the insured’s legal spouse, siblings, siblings-in-law, legal children, parents, parents-in-law, legal guardian, and step-parents who reside in India.
• Inclement Weather Severe weather conditions, such as storms, that delay the scheduled arrivals or departures of common carriers.
• Inpatient/Inpatient Care Any treatment for which an individual needs to stay in a hospital for over 24 hours for a covered event.
• Insured Journey This refers to any trip that the insured individual takes within the policy term. It commences once the individual boards the aircraft for an onward journey and expires on their [arrival](https://www.tataaig.com/travel-insurance/visa-on-arrival-for-indians) back to their city or town of residence or when the policy is set to expire – whichever is earlier.
• Insured Period(s) This refers to the period of time, starting with the effective date and ending with the end date declared in the policy documents, during which the insured individual can get cover for their travel.
• Insured Person The individual, who is a permanent resident of India, and has purchased a travel insurance policy from us.
• Land/Sea Arrangements All pre-paid travel arrangements made for a scheduled trip or cruise for which insurance has been purchased and is arranged by a tour operator, travel agent, cruise line or other organisation.
• Medical Advise A consultation or advice received from a medical practitioner, including the issue of any prescriptions.
• Medical Expenses Expenses that the insured individual has incurred due to an illness or required medical treatment on the advice of a qualified medical practitioner.
• Medically Necessary Any treatments, tests or hospital stays that are required for the medical management of an illness on the advice of a qualified medical practitioner.
• Nervous Disorder A central nervous system disorder that requires the insured person to incur certain covered medical expenses.
• Notification of Claim The process by which the insured individual informs the insurance provider or their TPA that they require to make a claim against the policy.
• Pre-Existing Condition Any ailment, injury or related condition for which you have been diagnosed or had symptoms of or received treatment for in the 48 months prior to the date when the trip is scheduled to start.
• Professional Sports Any sport that the insured plays for which they receive remuneration that makes up 50% or more of their livelihood.
• Reasonable Additional Expense Expenses for services or supplies that are absolutely necessary due to an illness or injury.
• Reasonable and Customary Charges Standard charges for services or supplies that the insured is required to pay to get the required help or treatment.
• Room Rent The amount that a hospital or medical facility charges per day for an individual to occupy a bed.
• Single Trip Insurance A single given trip that is specified on the policy schedule with a beginning date and an expiration date.
• Scheduled Airline Any civilian aircraft that is operated by a civilian air carrier that holds a valid certificate, license or similar authorisation from the country’s aircraft registry. The airline must carry out all operations in accordance with the country’s rules and regulations.
• Serious Injury or Sickness Any injury that a qualified physician declares to be dangerous to the insured’s life.
• Sickness Any illness that first showed symptoms or was contracted after the policy has come into effect.
• Sound Natural Teeth Natural teeth that have not been altered in any way or simply restored to their normal function. The restored teeth should be disease- and decay-free and should not be more susceptible to injury or damage than unaltered natural teeth.
• Sponsor The individual responsible for paying the tuition fee for the insured individual while they are studying at an educational institution outside their home country.
• Strike Labour disagreements that end up interfering with the normal arrivals and departures of common carriers as per the definitions offered by the authorities of each respective country.
• Subrogation Any situation in which the insurance provider, on behalf of the insured individual, takes legal action against a third party that caused injury or loss to the insured.
• Sub-limits Sub-limit refers to the maximum amount that the insured individual will receive for any particular claim as per the amounts provided in the policy schedule. For certain claims, there is no sub-limit and the maximum sum insured can be paid.
• Sum Insured The maximum amount of coverage your international student travel insurance provider will have to pay in case of various injuries or loss.
• Travelling Companion Refers to two named individuals who are booked to travel along with the insured on the trip.
• Trip Any insured journey that the insured individual takes during the course of the policy term. The journey must start and end in India and should be to a destination outside of India.
• Tuition All legally required registration fees charged by an accredited educational institution for the required courses and any laboratory or extra-curricular course fee as well. This does not include the costs associated with purchasing text books, learning materials or boarding and lodging.
• Unproven/Experimental Treatment that does not have an established medical practice, including drug experimental therapy.
• Accidental Death and Dismemberment Any accident that causes the loss of life, sight, or limbs while travelling.
• Accommodation It refers to any establishment that charges a fee for temporary overnight housing and requires bookings.
• Pandemic An outbreak of an infectious disease or illness that spreads swiftly and extensively and is classified by the CDC (Centers for Disease Control and Prevention).
• Coverage Period The total length of time that a travel policy will cover you during a trip
• Premium It is the sum of money that an insured individual must pay to the insurance company in exchange for the insurance policy. The premium cost varies based on the insurance coverage you select. It is worth noting that choosing a greater deductible may decrease your monthly payments, but the quality of protection will be lesser, and you may be exposed to higher charges in the event of an accident.
• Reimbursement The amount of money that an insurance company will pay you for medical treatment or hospital fees that you have previously spent is referred to as reimbursement or compensation.
• Policyholder The policyholder, often known as the policy owner, is the individual who purchases the insurance policy and pays the premiums. The insured may or may not be the policy owner. For example, Kritika is free to purchase an insurance policy for her husband Swapnil; in such an instance, Kritika is the policyholder and her husband is the insured party, meaning he's the only one who would get benefits under the terms of the policy.
• Foreseeable Event It is one that was reasonably anticipated prior to the purchase of the plan. When it is feasible for persons heading to a region to be aware of an occurrence, it becomes predictable. For example, if the airline you're travelling with declares a strike, the event becomes predictable after they make the announcement.
• Physician It is defined as a person who is licenced as a medical doctor by the jurisdiction in which he or she resides and who practises the healing arts. They must be practising within the extent of their licensure for the service or treatment provided and cannot be you, a travelling companion, or a family member.
• Trip Cost It refers to the costs of your travel arrangements that you paid before leaving on your trip and would be lost if your trip was cancelled. This covers flights, cruises, lodgings, excursions, entertainment, and other fees that you may incur if you are unable to travel.
• Maximum Policy Coverage The maximum amount of compensation that will be paid for expenditures covered by a policy.
• Insured Journey This refers to any trip that the insured individual takes within the policy term. It commences once the individual boards the aircraft for an onward journey and expires on their arrival back to their city or town of residence or when the policy is set to expire – whichever is earlier.
• Single Trip Insurance These plans have a one-time premium charge and are only good for one trip. This is best suited for infrequent travellers and often provides no more than 6 months of coverage.
• Multi-Trip Travel Insurance For frequent flyers, multi-trip travel insurance policies are the best options. These plans have a yearly validity period and need a premium payment each year. Travellers are protected for any number of trips they take during this time period.
• Subrogation It occurs when an insurance company reimburses its insured for injuries or losses caused by a third party. If a third party caused harm, the insurer can still sue the third party to collect the lost money.

Top Travel Destinations

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

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

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Travel Insurance Guide in India – Everything You Need To Know

Going on a trip is a joyous experience for all. You get to take a break from your routine life and relax. You also get to bond with your loved ones as you spend some quality time with them. Moreover, the thrill of exploring new places is also exhilarating. That is why everyone loves to travel and a vacation is planned with great excitement and enthusiasm. But what if your perfectly planned trip goes awry.

Uncertainties cannot be predicted. What you believe to be a relaxing holiday can become stressed when any unforeseen emergency strikes you. When that happens, you not only get mental stress but financial stress too. When you are travelling to an unknown place and if you face unexpected contingencies, finding help in an unknown land might prove difficult. Moreover, it would also incur additional financial expenses which might overshoot your travel budget and cause a financial strain. Would you be able to handle the strain yourself? What about emergency medical hospitalisation abroad? Would you be able to meet the expensive costs from your own pockets?

Travelling is fraught with risks and that is why a travel insurance plan is recommended to cover your trips. Though the plan is essential to cover your trips, many of you don’t understand the concept of travel insurance and that is why you don’t invest in the plan. So, let’s understand what travel insurance is all about and why it is essential.

History of PLI India Post

The concept of Postal Life Insurance was first floated in the year 1884 when the Secretary of State to Her Majesty approved life insurance schemes for the employees of the post office. In the year 1888, the scheme expanded its scope and covered the employees of the Telegraph department as well. Later on, in the year 1894, female employees in the Postal and Telegraph departments were also covered under PLI which was a first in the history of insurance.

PLI India Post is the oldest life insurance company in India. Initially, the plans offered under Postal Life Insurance provided coverage of up to INR 4000 only. However, in recent times, the limit has increased. Nowadays, you can enjoy coverage of up to INR 50 lakhs in aggregate under different types of post insurance schemes.

What is travel insurance?

A travel insurance policy is one which covers the financial losses that you might suffer when you are travelling. Travel insurance plans cover you for the duration of your trip and help you meet with financial emergencies that you might face on such a trip.

Features of travel insurance

Here are some notable features which you can find in travel insurance policies –

• There are different types of travel insurance plans available in the market. Each type of plan caters to a particular type of trip that you are undertaking
• The sum insured is expressed in US Dollars and ranges from $25,000 to $500,000
• The coverage duration is the duration of your trip
• If you are travelling to Schengen countries, buying travel insurance would be a must
• The premiums for travel insurance policies are very low

Types of travel insurance plans in India

In India, you can find the following types of travel insurance policies for your travels

International travel insurance plans

These plans cover trips taken abroad. International travel insurance plans can also be further sub-divided into countries that they cover. There are plans which cover all countries except the USA and Canada and then there are those which cover all countries including USA and Canada. You can also find a specific plan for Asia, Japan and Schengen countries.

Domestic travel insurance plans

Contrary to international travel insurance plans, domestic travel insurance plans cover trips taken within India itself. You can travel anywhere in India and buy a domestic travel insurance plan for covering your travel risks.

Student travel insurance plans

Student travel insurance plans are those which cover students who are travelling abroad for higher education. These plans have some specific coverage benefits for such travelling students.

Senior citizen travel insurance plans

As the name suggests, senior citizen travel insurance plans are meant to cover senior citizens (individuals aged 60 years and above) when they are going on a trip.

Single trip travel insurance plans

Single trip travel insurance plans cover one trip for a specified number of days.

Annual multi trip travel insurance plans

Annual multi-trip plans are those travel insurance plans which cover multiple trips taken within a year. If you are a frequent traveller, buying single trip travel insurance plans might prove expensive and inconvenient. In such cases you can invest in an annual multi trip travel insurance plan which would cover all the trips that you take within a year.

Individual travel insurance plans

Individual travel plans cover a single individual and/or his family members travelling with him/her on a trip.

Group travel insurance plans

Group travel insurance plans are those which cover a group of individuals under a single plan. A group travel insurance plan can be taken by companies whose employees frequently travel for business. Similarly, a tour operator can also buy a group travel insurance plan for a group of people travelling on a package trip.

What is covered under travel insurance?

There are different travel insurance plans available in the market and each plan has a different set of coverage benefits. However, all travel insurance plans have some common coverage benefits which are also called standard coverage benefits. These benefits include the following –

Top #10 Things to remember before buying travel insurance in India

Though buying a travel insurance plan is quite simple, thanks to the online mode, and you also have the list of best companies to buy the plan from, you should do your research before buying a travel insurance policy. There are certain things which you should keep in mind before buying the policy to ensure that you invest in the best and the most suitable travel insurance plan. These aspects which you should remember are as follows

• Make sure to cover all your family members travelling with you. Emergencies can befall anyone and you don’t want to bear the expenses yourself if any member is left uncovered, do you?
• The sum insured should be sufficient depending on the destination, the number of members travelling with you and your trip duration. If you are travelling to developing countries which are expensive, choose a high sum insured. Similarly, if many members are travelling with you, the sum insured should be sufficient to cover all of them.
• Always choose the right trip of plan depending on your trip. For instance, if you are travelling to the USA, choose travel insurance USA plans which cover the USA and Canada. Similarly, if you are travelling for higher education, a student travel insurance plan is required. So, choose the plan depending on the nature of your trip
• Look for the coverage features offered by the plan and make sure that your plan has all the necessary coverage benefits that you need
• Check the claim settlement ratio of the insurance company. A high ratio indicates that the company settles most of its claims. You should choose an insurer having a high claim settlement ratio
• Ensure that the premiums are affordable
• Check the details of your policy to make sure that there are no errors
• Check the claim process of the insurance company. It should be simple and convenient so that you don’t face any problems in making a claim and getting it settled
• The insurance companies are tied up with international service providers to provide claim assistance in foreign lands. Before you embark on your trip, note down the contact details of the service provider located in the city or country that you are travelling to. This would help you at the time of claims when you can directly contact the service provider and get your claims settled quickly
• Always compare and buy the best travel insurance plan. Comparing would let you find a plan which has the most inclusive coverage features at the lowest rates of premiums. So, compare and then buy travel insurance india

How to make a claim under travel insurance india plans?

Knowing the claim process of a travel insurance policy is necessary so that you know how to make a claim when you suffer a contingency. So, here’s the process in brief

• Inform the insurance company immediately as soon as you face a claim. Insurance companies have to claim helpline numbers for different countries. Keep the numbers handy or call the central claim helpline number of the insurance company in India to register your claim
• Once you inform the insurance company, the company would give you the details of the tied-up service provider in your destination country that would help you with your claims
• Inform the insurer’s service provider of the claim
• The claim related documents would have to be submitted to the insurance company or the service provider. Submit the documents so that the claim can be processed
• Once the documents are verified and if the claim is valid, the insurance company would settle your travel insurance claim

Documents required for making a claim?

Documentation plays an important role in getting the settlement of your insurance claims and travel insurance is no different. You would have to submit the following documents for your travel insurance claims

• The claim form completely filled in and signed
• Policy bond in original
• All the relevant bills which you incurred and for which you are making a claim
• Medical reports, bills and hospital records for medical claims
• Details of the claim like the time, place, manner in which it happened, etc.
• Your identity proof
• Your passport copy
• Copy of your travel tickets
• Police FIR, wherever necessary
• Any other document as required by the insurance company

A travel insurance plan provides a good scope of coverage at very low premiums and should not be given a miss. It is always better to insure your trips so that those unforeseen contingencies do not cripple you financially. By parting with a small amount of money in premiums you can buy peace of mind knowing that if any misfortune befalls you while you are on a trip, the travel insurance policy would come to your rescue.

• The trip destination
• The duration of the trip
• Number of members travelling
• Trip start and end date
• Age of the travelling members
• Their relation with you
• Sum insured that you need
• Any other optional coverage benefits that you need
• Any pre-existing illnesses that you or any travelling members have, etc.
• Once all the details are filled, the form should be submitted to the insurance company

A set of documents might also be required to apply for insurance. These documents include the following

• Identity proof of the travelling members
• Age proof of the members to be insured
• Copy of your passport in case of international travel
• Visa documents
• Copy of the travel tickets
• Photographs of the members who are to be insured

The insurance company would then assess the application form, verify the documents submitted and issue the policy once the premium is paid.

Best travel insurance companies in India

To buy the best travel insurance plan for your trip, here are some of the best companies which you can consider

Other coverage benefits

Travel insurance plans provide a comprehensive scope of cover which ensures that most of your financial losses are covered. That is why, besides the above-mentioned standard coverage benefits, you would find some of the below-mentioned benefits too under many travel insurance plans –

Trip curtailment

While trip cancellation covers the cancellation of your trip before it begins, trip curtailment covers cutting short an ongoing trip due to unavoidable emergencies.

Hospital cash allowance

Under this cover a daily allowance is paid if you are hospitalised during your trip. This benefit is paid along with the medical insurance coverage that you get for your hospital bills.

Missed flight connection

If you are taking connecting flights and if you miss such flights due to unavoidable reasons, coverage is allowed for the loss that you incur.

Compassionate visit

Under this benefit, the return ticket for a family member is arranged if you are hospitalised on your trip and your family member wants to visit and check on you.

Emergency cash advance

If you lose your wallet and or money while travelling due to theft or robbery, this cover provides cash advance to you so that you can meet your travel related expenses.

Unique coverage benefits under student travel insurance plans

Student travel insurance plans allow all the standard coverage benefits along with some of the above-mentioned coverage benefits to students travelling abroad. Moreover, these plans have some unique coverage features which are especially designed for students. These coverage benefits include the following.

If the student gets arrested in an international country, the travel insurance policy would cover the cost of posting a bail.

Study interruption

If the student’s study is interrupted due to illness or injury which takes time to recover, the travel insurance plan would cover the tuition fee incurred during the interrupted period.

Sponsor protection

If the sponsor of the student, who finances the student’s international education, dies or becomes disabled, this benefit covers the student’s cost of tuition and pays the tuition fee In place of the sponsor.

Exclusions under travel insurance plans

While the above-mentioned coverage benefits make travel insurance plans quite comprehensive in their scope of coverage, the plans also have a set of exclusions which are not covered. If you make a claim which is because of the exclusion, the claim would be rejected. Commonly found exclusions in travel insurance plans are as follows –

• Pre-existing conditions and medical complications faced due to them
• When you travel against the advice of a medical practitioner
• If you are travelling solely for the purpose of receiving medical treatments abroad
• If you suffer any accident, injury or illness due to the use of alcohol and/or narcotics
• If you suffer any accident or injury when participating in adventure sports and other hazardous activities
• Claims due to war, nuclear contamination, radiation, mutiny, etc.
• Medical expenses incurred on pregnancy and childbirth
• Medical expenses incurred due to HIV/AIDS or any other sexual diseases
• Attempted suicide, self-inflicted injuries or deliberate accidents
• Any type of cosmetic treatments would not be covered
• Non-allopathic alternative forms of treatment are not covered under travel insurance plans
• Consequential losses are not covered
• If you lose your passport because you left it unattended, such a loss would not be covered under travel insurance plans

Optional coverage benefits under travel insurance

Optional coverage benefits are those which are not inbuilt in the coverage of the plan but can be taken by paying additional premiums. Travel insurance plans also offer different types of optional covers some of which are as follows

Home burglary insurance

If your home is burgled while you are away on a trip, the benefit covers the loss that you suffer.

Coverage for pre-existing conditions

While pre-existing conditions are excluded from coverage, many travel insurance plans allow coverage for such conditions on the payment of additional premiums.

Coverage for adventure sports

If you are taking a vacation and plan to engage in adventure sports, you can inform the insurance company of your intentions. Many companies, then, allow coverage for injuries suffered when engaging in adventure sports if you pay additional premiums.

Trip extension

If you have to extend your trip due to unavoidable reasons, this benefit would cover the costs incurred on such extensions.

Enhanced cover for accidental death and disablement

If you choose this optional cover, the coverage benefit payable under accidental death and/or disablement would be enhanced.

Why travel insurance is a must?

It is always recommended that you insure your trips under a travel insurance plan. The reason is the assistance which travel insurance plans provide. Here are some benefits which you can get from travel insurance plans which make the plans a must buy

Coverage for medical costs

Medical costs are pretty expensive and when you are travelling to an international country, the costs multiply manifold. A travel insurance plan covers these costs and ensures that you don’t suffer any financial contingency due to illnesses and injuries suffered when travelling.

Help in an unknown land

When you are travelling to an unknown country and you face contingencies you can be assured that your travel insurance plan would come to your assistance. This makes travel insurance a friend in foreign lands and ensures a smooth trip.

Trip cancellations are covered

Though you might be excited to go on a vacation but a sudden illness or death in the family might put a dent in your plans. In such cases you incur huge losses on pre-booked flights and hotels. Travel insurance plans cover these costs and help you financially in such dilemmas.

It might be mandatory

Schengen countries have mandated a valid overseas medical insurance plan when you are travelling there. So, if you are travelling to any Schengen country, buying a travel insurance plan becomes mandatory.

The plan protects your whole family

The best thing about a travel insurance plan is that you can insure all your family members under the same plan if they are travelling with you. Thus, a single plan allows coverage for your whole family and allows risk-free travelling.

Financial help in case of thefts

Losing your wallet and cash is quite common and this loss proves quite expensive. By advancing emergency cash, a travel insurance policy helps you out financially when you have no one to turn to. Given these benefits, you should insure your trip under a suitable travel insurance plan and safeguard your travels.

How to buy travel insurance plans in India?

You can buy travel insurance online or offline. Offline policies are bought through travel insurance agents or through the branches of insurers. On the other hand, you can buy travel insurance online directly from your home or office by visiting the website of the insurance company or an insurance aggregator. The process to buy travel insurance online or offline is as follows

• Choose the most suitable travel insurance plan for your needs
• Ensure that the plan has all the required coverage benefits
• The sum assured should also be sufficient enough to cover expected contingencies
• Once the plan has been shortlisted, you can apply for it

Frequently Asked Questions

What are Schengen countries?

Schengen countries are a group of European countries which do not require multiple visas to visit. In these countries, there is a single jurisdiction for international travel. There are 26 countries which are Schengen countries which are Belgium, Denmark, Austria, Czech Republic, Finland, Estonia, France, Germany, Iceland, Hungary, Greece, Lithuania, Malta, Italy, Liechtenstein, Sweden, Luxembourg, Spain, Netherlands, Slovakia, Portugal, Slovenia, Switzerland, Poland, Norway and Latvia.

What is a deductible?

Under many coverage benefits under travel insurance plans, there is a deductible limit. This limit is the limit up to which the policy would not pay any claims. If the loss is more than the deductible, the claim would be payable. For instance, in case of delay of baggage, there might be a deductible of 12 hours. This means that if the baggage is delayed for more than 12 hours you can make a claim under your policy.

Do coverage benefits have limits under travel insurance plans?

Yes, except medical insurance benefit, all coverage benefits are covered up to specified limits.

If I am travelling with my senior citizen parents do I need to buy a separate policy for them?

Most travel insurance plans have a maximum entry age. If your parents are within the entry age limits of your travel insurance plan, you can get them covered. If not, you would have to buy a separate travel insurance policy for them.

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Policy cancellation and refund of the premium shall be as per the terms & conditions of the policy. The refunds are processed by the Insurance Company directly. You are requested to contact the toll free number of your Insurance Company or refer the respective section of your Policy terms and conditions. You can also call us at our toll free number 1800-266-0101 or write a mail to us at [email protected] . We shall be available to guide/assist you.

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What is Travel Insurance?

Travel Insurance offers coverage against various types of emergencies like medical expenses. The medical expenses involve medical evaluation and repatriation, detaining checked-in baggage or absolute loss of checked-in baggage, forgotten connections, financial emergency assistance, and so on. 

A travel insurance policy is an important piece of documentation that is beneficial when you travel abroad. We must buy a travel insurance policy in advance to cover the dates you’ve travelled on. Not only this, but travel insurance also provides you with the freedom to enjoy your trip without any interruptions. 

So, always make sure that you have the right travel insurance policy that covers all your needs and can be bought online. Buying travel insurance online would help you to stay secure in case of a mishap. Bajaj Allianz offers travel insurance plans for adventurous travellers and senior citizens. Travel insurance can be availed for multiple or single trips, depending on your needs and budget. 

The multi-trip travel insurance plan is handy for the frequent travellers and it insures all the multiple trips within the specified duration. The cost and coverage of travel insurance depending on the nature of the trip. 

Always remember that a travel insurance policy is an investment because it’s something that you’re doing for yourself and your loved ones to keep them safe. Now, you can select a travel insurance policy online sitting at the comfort of your home. We’re just a click away waiting for you with the best travel insurance plans in India. 

Why Do You Need Travel Insurance?

You need a travel insurance policy for various reasons like -

✓   Overseas medical emergencies

✓   Delayed flights

✓   Country/Visa Requirements

✓   Loss/Delay of Luggage

✓   Cover for Natural Calamities or Human-made Disasters

✓   Missed Flights/ Trip Cancellation

✓   Study interruptions

✓   Flight hijack

Do You Need A Travel Insurance Policy?  : If that’s the question you’re battling with, read on to check the answer to this question! Medical expenses usually cost 3 to 5 times more in foreign countries. Around 25 million baggage are mislaid by airlines every year. Travel scams are very common in tourist-heavy countries. 

So, it’s important not only to purchase a travel insurance plan but also to choose the right one. If you buy a travel insurance plan online, you’re safeguarding your trip against all the financial losses. Leave aside the financial backup and roaming around abroad without any adequate insurance coverage, as this can prove fatal at the times of an unfortunate event. 

A lost passport or a missed flight are very scary situations for the tourists. One can feel lost even without an insurance cover in a variety of situations, so always keep a backup with travel insurance policy. 

Features of Travel Insurance in India

Now that you understand the importance of buying travel insurance, it is important to understand its potential to provide coverage. Hence, listed below are the essential features of getting to understand how travel insurance in India can help you enjoy your holiday. 

Coverage for Flight Related Issues:

 Even though an aeroplane is considered one of the safest ways to travel, accidents do not knock before coming. Flight-related issues include the delayed travel or hijack situation, the insurance plan will cover you for the expenses occurring during the course of adversity. 

Cashless Treatment:

Although we do not wish to visit a hospital during a holiday, actually having to go there can also be financially draining. However, you can get covered under the travel insurance plans and benefit from the cashless facility. You can avail this service at the hospitals, which are empanelled under the insurance provider. 

Trip-Related Adversities: 

A lot of reasons can force you to cancel your trip, stay back, and attend to more important matters. Buying a travel insurance plan can protect from losing money. This includes non-refundable flight tickets, hotel bookings, etc. 

A Plan for Every Age

People belonging to different age groups have varied preferences regarding a trip. Where the aged individuals require more travel assistance and they are also vulnerable to theft and other similar incidents. The good thing is that you can buy travel insurance policy specific to your age group with apt benefits and coverage. 

Emergency Cash Advance: 

Your travel insurance policy includes cash advances in emergency situations. Getting stuck abroad due to hospitalisation, loss of credit card/cash and traveller's cheques can be troublesome. With an insurance policy, you can receive a cash advance after a specified time. 

Coverage for Baggage/Passport Loss

Nothing can be more dreading and dangerous than losing your baggage or passport while on a trip. Travel insurance policy opted by you might not recover your passport or baggage, but you will get covered for the loss of cash or kind. Plus, it will cover the expenses incurred to get a new passport. 

Emergency Evacuation Plans for Frequent Flyers: 

Some insurance providers proffer year-long coverage plans for frequent flyers. To avoid spending recurring insurance policy costs, frequent flyers will receive the benefits for a year or multiple trips. 

Secures You Against Home Burglary

Burglars are often on the lookout to pick houses which are vacant when the family is gone on a trip, but you should not let it hamper your travel plans. Home burglary coverage ensures that you get compensated in case of home theft in your absence.  

One Cover for the Entire Family

 It is simpler and cost-effective. to get one insurance plan for the entire family instead of buying different plans for different age groups.

Automatic Claim Settlement With Trip Delay Delight

You won’t have to submit a claim to get the insurance benefits. For incidents like trip-delay or flight cancellation, the covered amount will be automatically settled. .

Why Choose Bajaj Allianz Travel Insurance?

Types of travel insurance in india.

Good and user-oriented travel insurance plans will make your trip a great vacation. It secures you at various steps, which is the financial coverage as the top priority. 

Do not rush while selecting the best travel insurance policy for your family and yourself. For hassle-free and safe travel, choose wisely and save your money without selecting the first option you see. 

A Travel Insurance is a cushion which takes the blow for the fall, makes your trip more fun and memorable. 

Individual Travel Insurance

Going on a solo trip? Or travelling to meet your family abroad? When you are travelling alone, you need extra protection and access to instant help, especially in case of a hospitalisation or other emergency situations. 

Benefits under Individual Travel Insurance Plan : All covers in the maximum plans are the same, or somewhat similar to the other, but vary with terms and conditions. It includes benefits like accidental emergencies, accidental death, medical services expenses, dental expenses and other non-medical factors like baggage loss, passport loss and many more. 

Family Travel Insurance

A Travel Insurance plan specially planned for the families who travel together. The insurance plan covers the immediate family of the policyholder under the family travel insurance plan. The policyholder, his/her spouse and children. 

Coverage under Family Travel Insurance Plan: The insured family members of the policy holder are covered for medical expenses, loss of baggage, personal liabilities, loss of passport, delay in the baggage and many more. 

Senior Citizen Travel Insurance

Just like the health insurance plan is tailored to the age factor, the travel insurance for senior citizens   is also best for individuals above the age of 70. The elderly people prefer to travel after retirement and often travel alone as well or just in couples. This type of plan protects them from uncertainties.

Covers under Senior Citizen Travel Insurance Plan: The benefits for a senior citizen travel insurance plans include the unpredictable financial crisis on travel like repatriation of mortal loss, medical bills, loss or delay of check-in baggage, Emergency medical evacuation and more based on the insurance firm. 

Corporate Travel Insurance

The Corporate travel insurance plans serve best to the businessmen travelling frequently for corporate works. The beneficiaries under this plan can enjoy a year-long of benefits and policy coverage, allowing travel in and out of the country with a peace of mind.

Covers under Corporate Travel Insurance Plan: The coverage under the Corporate travel insurance plans is basic medical expenses, flight delay, baggage loss, missing connecting flights, etc. 

Student Travel Insurance

This plan is specifically tailored to be student-friendly. It has a special feature of the extension of the validity up to specific time, mainly 2 years.

Covers under Student Travel Insurance  Plan : It covers the basic overseas travel insurance covers and provides some add ons as well. The covers like bail bond, medical evacuation, study interruption, sponsor protection and some more.

Group Travel Insurance

The travel insurance policy customised for the people travelling in groups. This type of travel insurance is mostly organised by the tour organisers. Tours for historic destinations, museums, industrial training are placed under Group Travel.

Covers under Group Travel Insurance Plan: The Group Travel Insurance covers the group going from India or within the domestic borders of India. It covers personal accidents and baggage coverage but it depends upon the limit per person of the group. 

Domestic Travel Insurance

When travelling within the geographical borders of India, domestic travel insurance  is a beneficial companion. It protects you from several types of situations and emergencies (financial and otherwise).

Covers under Domestic Travel Insurance : Benefits include medical coverage, personal accidents, and loss of baggage are also a part of this Insurance.

International Travel Insurance

Covering a much wider range, the international travel insurance plans cover overseas travel, trip, holiday, family visitation, study, business meetings, and much more.  It further depends upon the plans offered by the insurance company.

Covers under international travel insurance Plan : It covers several factors - medical and dental expenses, loss of baggage and passport, trip cancellation, flight delays, etc.

Schengen Travel Insurance

For the people travelling to a Schengen country, a special insurance policy is required, i.e. the Schengen travel insurance  policy. They secure you from any type of financial losses

Covers under Schengen Travel Insurance Plan : The medical coverage, loss of passport, delay in check-in baggage arrival, loss of check-in baggage, accidental death and dismemberment, personal accident cover and personal liabilities. These are the most common covers under the plan of Schengen Travel Insurance.

Single Trip Travel Insurance

The single trip travel insurance plan is beneficial for those who travel abroad once in a while. This plan allows the insurance coverage from the start of the journey until the policyholder and the accompanying beneficiaries are back inside the country’s borders.

Covers under Single Trip Travel Insurance Plan: If travelling internationally, the international travel insurance plan is opted along with the host cover for the other factors like medical emergencies, baggage loss or delay on check-in baggage, non-medical covers, etc. 

Multi-Trip Travel Insurance

The Multi-Trip Travel Insurance plan is customised for those travellers who travel often or more than once in a year. It stands to cover round trip journeys for a specified time period, which is usually one year.

This plan of the multi-trip travel insurance is preferred by the businessmen and corporate sectors as it helps to save an ample amount of money by opting this policy for your travelling trips.

Covers under Multi-Trip Travel Insurance Plan: The covers for the multi-trip travel insurance are like the other international travel insurance covers. The medical emergencies and non-medical ones like loss of passport, personal liabilities, emergency medical evacuation, loss or delay of check-in baggage and other covers specified under the plan by the insurance firm. 

Additional Tips for Opting the Best Travel Insurance Plans

When planning, try to choose the best travel insurance for yourself as well. It protects you from the unpredictable conditions that may occur and travel insurance secures you on the financial terms too.

It is not tough to select the best plan with your insurance company when travelling abroad. Choose wisely so that any trip or journey you are taking should be a memorable one. Opt for the covers which are best for you. Never take anything for granted as nothing is predictable and we as your Insurance Advisers want you safe, always. 

TRAVEL INSURANCE COVERAGE

Loss of Baggage

Under the baggage loss, you are compensated for the permanent loss of the baggage you were travelling with based on the check-in baggage stored. When stranded without baggage, you may feel left out and even frustrated, but the baggage cover allows you to incur the necessary expenses and they will be covered under the policy. 

Baggage Delay

In travel insurance coverage, the baggage delay is compensated for the items in the baggage like worn clothes, toiletries, other essentials. When required, delay in the baggage can be stressful and sometimes leads to loss of baggage at the end. 

Flight Delay

In situations of flight delay and re-booking a new flight, the unplanned additional expenses are compensated or booked by the insurance company if possible. In some situations the travel insurance company may offer to book a new flight for you, if delayed, but you should inform the insurer promptly. 

Trip Cancellation/ Curtailment

Various reasons can lead to a trip cancellation or curtailment. With the travel insurance policy, you can rest assured that your ticket expenses will be covered and you can get the amount reimbursed. Such a cover becomes even more important when the tickets you have booked are non-refundable.

Riots, protests, strikes, natural calamities, death in the family, bad weather, and so on. Any sort of emergency situation can lead to trip cancellation or curtailment. But with the travel insurance policy you can get reimbursed for the ticket expenses. 

Bounced Flight/ Hotel Booking

In situations like this, the hotels or flight seats already booked by the traveller are not available on arrival. In such cases, the insured person is reimbursed for the pre-booked hotel room or the airline bookings if the preferred accommodations are not available at arrival. The travel insurance coverage can be claimed for it if opted under the travel insurance policy. 

Loss of Passport

In situations of a bag being stolen and losing your passport, you are covered under the Travel Insurance Policy. Up to the sum insured limit, the charges of getting a new passport are met by the insurance company.

In rare cases, if your plane gets hijacked during a trip, having this cover of a policy can compensate you for the emotional distress. These types of policy covers are not generally opted by the policyholder but when travelling to destinations unknown, can help with having this cover immensely.

Credit Card Theft

Credit card theft is the cover which should be a must when travelling abroad. If and when your credit card is stolen or lost, immediately inform your insurer. Informing the insurance provider makes you eligible to receive emergency cash advance. The details of the same will be provided to you by the consulting agent or the information will be shared with the beneficiary appropriately. 

Home Burglary

Under this point of the travel insurance coverage, if you are out on a vacation or a business trip and your house gets broken into, your Insurer will pay for the damages and loss incurred by you in that robbery. However, the amount you receive depends on your insurance policy and the extent of cover

Personal Liability

The clause of Personal Liability covers you from the claim made against you for bodily injury, damage to property or damage to another person during a trip. When away from the security of your house, it gets difficult to settle a situation on an unknown land. The cover of personal liability secures you from such unwanted and unprovoked situations.  

Personal Injuries

Personal injuries incurred during the trip are compensated or expenses are undertaken by the travel insurance company. Injuries met under the influence of drugs or alcohol are not covered.

Interruption of Studies

Under the Student Travel Insurance Plan, many insurance providers cover expenses and costs you end up paying for your studies abroad. The insurance companies reimburse the tuition fees to the insured, paid in advance to the institutions by the insured. 

Medical Evacuation

Regular Travel Insurance covers emergency medical evacuation. It includes the airlift, or the cost incurred to supply medically equipped flight apparatus back to the home country. 

Accidental Death

The accidental death cover is the most important aspect of the travel insurance plans. Any individual or family member of the policyholder travelling overseas should add this accidental death clause in the policy of their travel insurance.  In this cover, in case of the accidental death, while travelling,the family of the deceased is compensated up to the sum limit insured. 

Any financial loss occurring before or during the trip is covered by the travel insurance coverage as a comprehensive cover. The trip can go down the hill due to some unforeseen situations very quickly and easily that can put you at a financial loss. It is where the Travel Insurance Policy provides the safety net and saves your trip. 

Overseas Travel Insurance Coverage for Coronavirus (COVID-19)

The novel coronavirus or COVID-19 has taken the world by a storm inhibiting the course of daily life and pushing everyone towards a new normal characterized by social distancing norms. Millions of people have succumbed to the virus-led health issues while millions more have become prey to the side effects of suffering from a disease which does not have a concrete cure.

Sovereign governments have put several restrictions on the citizens and inhibit the spread of the virus. Among several measures in place, travel restrictions have been put into place to curb the spread.

In this, a question arises that what kind of coverage insurance companies will provide once the borders open again. We need to discuss the impact of travel insurance with reference to the impact of coronavirus in India.

Does Travel Insurance Cover Coronavirus (COVID-19) Disease in India?

Yes, several travel insurance companies have developed coronavirus-oriented travel insurance coverage plans in India. The beneficiaries of these travel insurance policies stand to receive compensation for medical treatment (cashless or reimbursement), delays or cancellation charges, lost baggage, and so on.

With Bajaj Allianz, you stand to gain from monetary compensation and assistance to secure treatment in empanelled hospitals. Furthermore, in these hospitals, you can also get cashless treatment facilitated via the insurance cover.

• Overseas Travel Policy covers Medical Expenses arising out of Covid-19 outside India, including Medical Expenses incurred during Quarantine period subject to the policy terms and conditions.
• Accommodation and non-medical incidental expenses arising during Quarantine period stand excluded.

It must be noted that the insured need to present a COVID negative report 72 hours before travelling. If this is not available, the insured have to wait for 7 days for the insurance coverage to start.

However, if you decide to extend the policy coverage period while on a trip abroad, you must do so before the break-in period starts. If you decide to extend the policy after the break-in period, then the same 7-day kick in norm will apply and the coverage will start after these 7 days.

Scenario-wise Travel Insurance coverage for COVID-19

Add-On Covers / Optional Covers in Travel Insurance Policy

Add-ons are the additional features or the advantages you add to the travel insurance to make it even more extensive and airtight. The add-on covers are generally added to decrease the financial burden that you’re likely to incur at the event of a mishap.

So, the more add-ons you include in your policy, the higher will be your premium that has to be paid. It’s always recommended to add features that act as a value addition to the policy. Most of the time, individuals who go for the option of travel insurance policy plans are dubious about what it covers. 

Here are some things you must know before you opt-out for a travel insurance policy. Let’s have a look at the add-on and optional covers under the travel insurance policy that we offer- 

• Trip Delay Delight :You will be delighted to know that the financial loss caused due to the trip delay or any type of trip cancellations is reimbursed up to the policy limits. There’s a different limit for one trip, round trips or the multiple trips
• Schengen Cover It basically covers the expense that might arise in connection with the repatriation for the medical reasons or urgent health conditions such as emergency hospital treatment or death of an individual. 
• Compassionate Visit By A Family Member Guests won’t have to return home because their compassionate visit would be covered up to some limit in the travel insurance policy. So, why not go for it, when it has so many benefits?
• Emergency Hotel Accommodation For Family Member Under an urgent situation where the emergency hotel accommodation of the family member is required, you’ll face no hassle because the online travel insurance policy will cover it too. 
• Emergency Hotel Accommodation For Insured And Family Member Not only the family member who urgently requires accommodation but also the insured will be covered up to some limits under the ‘emergency hotel accommodation for the insured and family member’ in the travel insurance policy plan. 
• Escort for Minor Child  If you carry a minor or a baby along with you to the flight, this expense will also be covered up to some limit under the ‘Escort of minor child’ section.
• Loss Of Personal Belongings Cover  Whether it’s your luggage or the passport that’s lost, the best travel insurance policy will always cover you under the loss of personal belongings to help you out in the times of difficulty.
• Replacement and Rearrangement of Staff This is yet again, an unforeseen situation and is covered under the travel insurance policy. There are a few limits, rules and other obligations that one has to go through, before opting for travel insurance plans. 

Optional Covers

• Pre-existing Illness Coverage The best thing about the optional cover is that it covers pre-existing illness. It means the diseases or a physical condition, illness or ailment that existed already at the time when you bought a travel insurance policy. Isn’t it amazing how functionally the travel insurance policy plan works?
• HIV and AIDS This is an optional cover for the people of any age who have a pre-existing medical condition that includes HIV & AIDS. It includes all the complications that might occur as a result of a medical condition that falls under this disease. This also creates a risk for all the people who are travelling abroad without an adequate travel insurance policy. This is why an optional cover is made to avoid the risk of large medical bills for travellers.
• Maternity and Baby Cover from Day One Coverage So there is an additional benefit for the pregnant mommies! There’s a maternity and baby cover from day one coverage for the pregnant women on board. So, you don’t need to worry if you’re pregnant and flying. We’re here to make your experience worthwhile.
• Mental Illness and Alcohol-Related Disorder Cover Apart from the physical problems, various disorders like alcohol disorder or mental illness are also covered under the optional cover of the travel insurance policy. So, it’s up to you to choose a plan that suits you the best.

Travel Insurance Plans Offered by Bajaj Allianz

Coverage based on Trip Classification;

Solo Trip and Family Trip

Eligibility Criteria for Travel Insurance Policy in India

Travel insurance policy exclusions.

Under all the types of travel insurance in India, the insured won’t get coverage under the following conditions/incidents/scenarios:

• Substance Abuse: Alcohol or drugs.
• Human-made situations: War, Civil war, Terrorism.
• Medical Exclusions: HIV/AIDS, Alternative treatment, cosmetic treatment, pre-existing conditions or diseases, not following doctor’s medical advice, suicide or self-inflicted injury
• Baggage or Passport: Loss of passport is not covered under the travel insurance in India when the same is left unattended. Also, if the baggage is shipped separately from the insured, there is no coverage.
• The travel insurance policy won’t cover Injuries due to participation in adventure sports.

Omissions / Optional Add-Ons in Schengen Travel Insurance

Below you will find omissions in insurance claims submitted while travelling in Schengen countries.

• Medical conditions ailing the insured before they buy travel insurance online
• Injuries or life-threatening conditions occurring to participating in adventure sports in the Schengen countries
• Travelling to high-risk countries or areas designated as a red zone

Parameters That Affect Travel Insurance Premium

Due to its dynamic nature, every travel insurance policy has a different set of conditions. Consequently, the travel insurance premium for each of these plans is also different. Given below are the factors that affect your travel insurance premium.

Age:  The insurance premium of young individuals is less relative to the aged beneficiaries. The reason is simple, adults and aged individuals are more prone to life-threatening risks than a 21-year-old graduate.

Travel Destination :  Insurance is all about the risk. If you are travelling to a high-risk area, the chances of meeting with an unprecedented accident are also higher. This leads to an increase in the premium amount than visiting an area or country which is relatively stable.

Duration of Travel: The travel insurance premium is proportional to the duration of the stay.

Number of Travellers: As it is with the duration, the premium amount is set to increase with the number of travellers. But, in case of multiple travellers, you can also opt for group insurance or family insurance.

Add-Ons: Adding security features and cover like zero depreciation, passenger cover, etc., will increase the premium amount.

Add-Ons: Additional covers widen the protective shield but at a higher premium. So, if you choose to add home burglary cover or study interruption cover, the premium will also increase.

Steps to Calculate Travel Insurance Premium Online

Before you can buy travel insurance online, Bajaj Allianz gives you the option to calculate the insurance premium with a few steps.

Step 1:  Head to our travel insurance premium calculator

Step 2: Begin by sharing your mobile number, name, and email address

Step 3: After this, you will be asked to enter the country of residence

Step 4: Based on the answers, you will receive a confirmation and a premium quote

Bajaj Allianz has a common insurance premium calculator churning out purpose-specific premium quotes.

While buying an insurance policy, your aim must be to spend the minimum amount and get the highest extent of benefits. An insurance premium calculator helps you with this aspect. Not only can you find out your monthly payments but also customize the policy-based features to suit your needs and budget.

With the internet-based calculator, you can also tweak your responses to try out different combinations of policies and get an apt travel insurance policy. For calculating the travel insurance premium, our calculator also provides you with additional options like the destination, duration, and dates of travel.

The motive is to provide you with the best quote characterized by a minimal error. It is also possible to enter the traveller details (number of people and age) with the online calculator.

Another significant benefit of using the online travel insurance policy premium calculator is that you can compare the premiums of different types of policies and companies.

Tips to Lower Your Travel Insurance Premium

The importance of buying travel insurance in India is not unknown. By now you must have realized that purchasing travel insurance is not an extra burden in your vacation budget, but it can give you a peace of mind which is essential to enjoy your trip.

Travel insurance is important, but you can adopt methods to lower the premium;

• Opt-in for a Multi Trip Cover : One of the best options for frequent travellers, a multi-trip cover will protect you for a specified time (mostly, it is one year). So, you can travel in and out of the country for several trips and have a single policy to protect you and your interests.
• Buy Insurance Early On : Getting the travel insurance plans early on is beneficial from multiple facets. First, it shows that you understand your responsibilities. Second, in case you want to cancel your trip or there is an unprecedented situation, early insurance helps you make the required changes.
• Tailor-Made Insurance Policy : We want you to combine this point with the previous point, “Get Travel Insurance Early On”. If you start early, you can try out different combinations of features and check out different insurance providers. This is opposed to a scenario where you choose the wrong policy coverage and end up paying more while getting fewer benefits.
• Go For Group Insurance : Group Insurance packs a punch of services, provision to add multiple members, offers several benefits and has relatively lower premiums.

Why Should You Buy Travel Insurance Online?

The fast-paced urban lifestyle has always kept our hands busy and our mind riddled with all sorts of duties and responsibilities. In all the chaos, you should choose to buy travel insurance online. Along with the ease of applying, the online process has several other benefits. 

• Easy Online Comparison: There isn’t one insurance provider offering travel-related coverage policies and plans. With an almost saturated market, you are faced with several players under a single umbrella. This can be overwhelming, but if you do it right, the market competition can be beneficial for you. When you compare travel insurance online, it becomes easier to create a list of potential insurance providers with services and benefits specific to your travel plans. Online comparison of travel insurance plans in India is also time-saving and signifies a faster way to look at different options.
• Convenient : To get your preferred travel insurance online, all you need to do is take out your phone, visit our website, fill in the form, and get covered for the trip. Browse through different insurance plans at the time of your convenience.
• No Agents : Instead of asking your friends or relatives to refer a good insurance agent, go online and take the matter in your own hands. Plus, not talking to the agents will save you a lot of time and money in commissions.
• Contactless Purchase : With the Bajaj Allianz option to buy travel insurance online, there is no need to visit the brand and submit the papers. You can upload the documents on the website in an instant and also receive the insurance confirmation letter on your email.
• Get Insured Anywhere, Anytime: Forgot to buy the insurance plan during the office break? No issues. You can also do it while coming home, in a restaurant, or while watching a movie. Everything from filling the form to paying the amount can be done online anytime, anywhere.
• Policy Issued Instantly: As soon as you make the payment, you will get the insurance papers on your mail. No need to run after the agent to get your confirmation letter or insurance papers.

Why Travel Insurance?

Things to Consider While Buying Travel Insurance Online

To achieve the maximum benefit of your insurance plan, you must conduct some research while analyzing your trip characteristics and boil down to an optimal travel insurance plan. 

●   Age: Travel insurance plans differ for different age groups. Where seniors are more prone to risk, their premium is also higher as compared to the younger population.

●   Destination: Travelling to a high-risk destination increases the chances to meet with an unprecedented situation. Besides risk, insurance companies also look at the medical expenses of the destination countries as well as their proneness to natural disasters.

●   Duration: The trip duration has a direct impact on the travel insurance policy benefits and premium. Here, a better way to go is to buy the multi-trip insurance if you will be travelling frequently in the next 12 months. Also, if you are taking a single vacation, but for a longer duration, the premium will be higher.

●   Type of trip: Your insurance provider will look at the trip itinerary to analyze the type of trip. An action-packed vacation consisting of adrenaline-pumping activities and adventures will invite a higher premium as compared to a trip where you are relaxing on a beach or reading a book in the mountains.

●    Add-ons: Add-ons provide additional coverage for unpredictable incidents during the trip or back home. Common add-ons include home burglary protection, fire insurance, study interruption coverage. These additional services do come at a cost which will increase the travel insurance premium.

●   Sum Insured : The total insurance amount has a direct impact on your premium. Buying insurance policies that cover for you a wide gamut of services has a higher insured amount, as a result, the premium will increase. But you should not always go for a higher sum insured, list down your requirements and look for a suitable coverage plan.

●   Coverage : Do not stick to one insurance provider. Do some research and analyze which insurer is giving the most benefits at the lowest premium. Along with this, make sure to first consider your requirements and then look at the packages.

●    Claim settlement ratio : Before you buy any sort of travel insurance plans, check the claim settlement ratios of the various insurers. If a company has a higher settlement ratio, this means they have completed more claims than others, and that company should get preference.

●    Affordability/Premium: A smart move while buying travel insurance plans will be to weigh your affordability and the premium amount on the same scale. Go for an insurer who provides a higher compensation, with fast claim processing at a reasonable premium.

●    Claim procedure: There is no point in going with a lower premium when you end up knocking on different doors to get your claim processed and settled. Going step by step, after you have chosen a few travel insurance providers by analyzing other aspects, also look at their claim settlement procedure. Go for a company which provides online claim submission and hassle-free processing.

●   Schengen check: There are some peculiarities when it comes to travel insurance for Schengen countries. Insurance on a Schengen visa is different from a visa from other countries. Always cross-verify the same with your shortlisted travel insurance policy providers to avoid any last-minute interruptions.

●   Exclusions: Insurance companies may also have some reservations and may not provide cover for a few incidents. While researching for your ideal travel insurance provider, look at the exclusions. These are the instances, conditions, or scenarios where you will not get the reimbursement.

●  Medical Conditions: Check the eligibility conditions to know the medical diseases or conditions for which your insurance provider will not be liable to pay.

●  Personal Belongings: Even though most of the travel insurance providers cover the expenses for loss of passport, cash, baggage and other belongings. But no company will compensate for negligent behaviour and your failure to take care of your belongings. It is recommended to know what amounts to negligent behaviour before buying the travel insurance plans.

Apart from these major aspects, you may also look at the insurance company’s solvency ratio and additional benefits that come with your policy to fully understand the scope of your travel insurance policy. 

Steps to Buy Travel Insurance Online

There are three ways to buy travel insurance online from Bajaj Allianz:

●     From the Official website

●     From the Caringly Yours Mobile App

●     Offline

Buy Travel Insurance Online from Bajaj Allianz Website

Step 1 : Visit our website  and proceed by by selecting the type of insurance you want to avail. You can choose from Individual, Family, Business, or Student..

Step 2 : Fill in your full name in the given column and then select the policy type. Out of the three options, Leisure, Business Multi-Trip, and Student, choose one. This is followed by selecting the relevant option according to your previous selection. 

Step 3 : You will be asked to provide your date of birth, departure and return dates, destination, and your existing pin code. 

Step 4 : Bajaj Allianz will analyze your selected values followed by sending a quote to your phone and giving you the option to select a plan instantly.

Step 5 : Choose the plan you want, include some add-ons from the given options followed by making the payment.

Step 6 : Wait for the payment confirmation and you will receive the acknowledgement and the insurance documents on your mail instantly.

Buy Travel Insurance Online from Caringly Yours Mobile

Step 1  : Download the app and you can use the same login Id and password to start using the “Caringly Yours” mobile application.

Step 2  : Select travel insurance and fill in the details including your name, DOB, travel details, travel dates, and your pin code.

Step 3  : Wait for the application to process your answers and you will receive the insurance quotes on the phone

Step 4  : Select the plan which suits your travel itinerary, include add-ons (optional), and pay for the plan. 

Step 5  : Choose the plan you want, include some add-ons from the given options followed by making the payment

Step 6  : Wait for the confirmation receipt and insurance documents which you will receive on your emve on your email address. 

Travel Insurance Claim Procedure

It is imperative to understand the travel insurance claim procedure when you are visiting abroad. The best way to file a claim is online via your mobile application or check the website for the claim procedure.

Below, you will find three types of claim procedures offered by Bajaj Allianz

Cashless Travel Insurance Claim:

The Bajaj Allianz travel insurance cashless claim is applicable for hospitalization expenses overseas. However, it must be noted that one should seek a claim if the expenses are more than USD 500. For amounts less than USD 500, you can file a reimbursement claim.

• ● Initially, you need to submit the documents online for verification.
• ● Once the claim is submitted and verified, you and your care-provider (hospital) will receive a payment guarantee letter.
• ● In case the information provided is incomplete or missing, you will be asked to complete the formalities and the claim process will continue.

Travel Insurance Reimbursement Claim:

The Reimbursement claim process takes around 10 days provided you complete the documentation and the paper submission is accurate.

• ● First, you need to collect all the required documents and submit original copies at the BAGIC HAT.
• ● Post scrutinization and verification, you will receive the payment within 10 days in your Indian bank account via NEFT.
• ● In case some documents are missing or incomplete, you will receive an intimation regarding the required documents, which you have to submit within 45 days.
• ● Bajaj Allianz also sends three reminders every 15 days asking you to complete the formalities.
• ● Post the 45 day period, if the documents are not complete the claim proceeding will abort.

Mobile App Claim Settlement: Automatic With Trip Delay Delight:

With Bajaj Allianz, you will get a special service of automatic claim settlements in case of trip delays.

If you are using the Caringly Yours mobile application, there is no need to seek a claim for trip delays. The application will keep track of your flight and in case of a delay, the required pay-outs are automatically processed.

Documents Required for Travel Insurance Claims

Documents for Medical Emergency (To be Attached with the Claim Form):

• ● Policy Documents (Number, Name of the Insured, and Contact Details)
• ● Reports of the diagnosis
• ● Place and country of the incident
• ● Attending physician’s Statement (APS)

Loss of Baggage:

• ● Claim form
• ● Baggage tags copies
• ● Confirmation letter from the airline authorities about the loss of baggage.
• ● Property Irregularity Report

Baggage Delay:

• ● Invoices of the purchases made during the delay period.

Trip Cancellation/Interruption/Missed Connection:

• ● Confirmation from the airlines about the scheduled arrival and departure
• ● Letter of correspondence from the airline certifying the delay
• ● Statement of the reason for the delay along with the necessary documentation pertaining to the reason.
• ● Tickets (original copies)
• ● Invoices or receipts of the expenses incurred and proof of cancellation charges.

Loss of Passport:

• ● Submit the photocopies of your new passport and old passport (if available).
• ● Original copies of the expense receipts and invoices for the new passport
• ● Photocopy of the FIR or Police Report

Hijack Situation:

• ● A full account of the events that unfolded during the hijack
• ● Corresponding letters from airlines
• ● Photocopy of the ticket and the boarding pass

Accidental Death:

• ● Original copy of the death certificate
• ● Photocopy of the Coroner’s report, FIR, Post-mortem report

Study Interruption:

• ● Submit the medical reports authenticated by the doctors
• ● Bills and receipts of the university fees paid earlier

Steps to Renew Travel Insurance Online / Offline

Renew Travel Insurance Online Those who do not want to go through the time-consuming offline process can renew travel insurance online. Going by this method you will save time and also some money that is spent on travelling to the branch or meeting with the agent.

• Step 1 : Visit the Bajaj Allianz website and go to your travel insurance policy page Click on renew and read through the existing benefits along with identifying if you want to add other coverage benefits and update the policy.
• Step 2 : If applicable, submit the additional documents. If not, you can straightaway go to the payments page and initiate the same via Credit card, Debit card, or Net Banking.
• Step 3 : Once the payment is confirmed, you will receive the soft copy of your insurance policy on your email address.

Renew Travel Insurance Policy Offline Offline renewal means that you will either have to get in touch with your agent or visit the branch and complete the formalities there. 

• Step 1 :  Contact the agent or visit the branch before the existing insurance policy ends. Take the time you have to review your existing policies and its benefits. If you want to add something to coverage, ask the agent to do the same. 
• Step 2 :  after reviewing the travel insurance policy, ask for the additional forms or applications pertaining to the add-ons, only if applicable. Submit the required documents (ask the agent or the branch representative for the same). 
• Step 3 :  Carefully review the policy documents, conditions, and guidelines before you pay the premium while buying travel insurance in India. 
• Step 4 :  In offline processing, you have to make the payment via cheque. Make sure that the beneficiary in the cheque is the insurer and not the agent or the representative you are consulting. 

Countries Where Travel Insurance is Mandatory

Even though international travel insurance is not mandatory to visit abroad, it is recommended that you secure a policy to safeguard your interests. In a foreign land, where you are unknown to everybody and where people are reluctant to help you, having something to protect you is essential.

Hence, we recommend you to buy the appropriate travel insurance policy. Having said that, there are some countries which necessitate that every non-citizen is secured with a travel insurance policy. Without submitting the insurance confirmation, you may not get a visa for these countries.

• ● Antarctica
• ● Schengen Countries
• ● United Arab Emirates
• ● United States of America

How to Extend International Travel Insurance?

Extending your stay while you are on a trip involves three scenarios, pre policy expiration, post policy expiration, and emergency extension. Be it any sort of situation, there is a way to extend the travel insurance policy provided you inform the insurer accurately.

Pre Policy Expiration: This is a situation when you wish to overstay in the travelling country for any reason but an emergency or medical condition. While you have to arrange for the return travel tickets, accommodation, and other expenses yourself, the insurance will cover you for the extended time subject to the extension approval.

• Step 1 : Initiate contact with the Bajaj Allianz team online or by giving us a call to give the details of the trip extension.
• Step 2 : The representative will ask you to fill out a ‘Good Health Form’ and submit the same at the earliest.
• Step 3 : Your request to extend the travel insurance policy will be forwarded to the underwriters who will examine the same and assist you with the extension details further.

Post Policy Extension: If you decide to extend the travel insurance plans coverage after the existing policy has expired, it comes under the purview of post-policy extension.

• Step 1 : Contact the Bajaj Allianz team and inform them about the extended stay. You need to state a reason for an extension.
• Step 2 : After the initial query your request will be forwarded to the underwriters who will scrutinize the decision and help you with the extension.

Both pre-policy and post-policy travel insurance extension requests come under the ambit of planned extension. Insurance policy extension is subject to valid reasons and you will also have to pay an extra premium for the extended stay.

Emergency Trip Extension: If you decide to extend the travel insurance plans coverage after the existing policy has expired, it comes under the purview of post-policy extension.

In this scenario, you can get an extension on your travel insurance policy and also cover the costs for emergency hotel stay for the insured and the family members.

• Step 1 : You can contact us either by giving us a call or sending an email explaining the emergency situation requesting to extend the travel insurance cover.
• Step 2 : Along with the reason, you may also need to present a letter from the airlines citing the reason for flight cancellation.

We understand that getting stuck abroad in an emergency situation is already stressful. At Bajaj Allianz, we do not want to extend your worries and will prefer to help you quickly and efficiently.

Travel Insurance Portability

Travel insurance portability gives you the freedom to switch the insurer without losing any benefits provided with the existing policy. Bajaj Allianz respects your freedom of choice and allows you to change the insurer as well as welcome everyone to get protection from our policies.

However, there is a process that you must follow to ensure a smooth transition from one insurance provider to another.

• Inform us about the portability requirements via online registration.
• You must inform the existing insurance provider 45 days in advance.

You must note that the premium amount of a similar travel insurance plans is at the discretion of the new insurer.

CUSTOMER STORIES

Average Rating:

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Straight forward online travel insurance quote and price. Easy to pay and buy

Very user friendly and convenient. Appreciate Bajaj Allianz team a lot.

Very nice services with affordable premium of Travel insurance

Excellent process! Very easy to use and instant output

Very prompt and professional service. Pleased with customer service team of Bajaj Allianz.

Nice and customized website. Loved the experience on Bajaj Allianz's website.

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TRAVEL INSURANCE FAQS

    is travel insurance mandatory.

No, travel insurance is not mandatory for all countries. However, certain countries have made it mandatory like Australia, Schengen countries etc.

    What is a deductible? Why is this necessary?

A deductible is essentially the sum of money you agree upon to be paid towards your cover before you begin to make claims on your travel insurance. With most travel insurance policies, the deductible is applied to emergency medical care costs. It may also extend to baggage or trip cancellation/ interruption coverage.

    Can I buy insurance if I am going on a work permit abroad?

Most travel insurance providers in India do not provide travel insurance to people travelling abroad on a work permit. It is advisable to check with your travel insurance provider before purchasing the travel insurance policy.

    Are 'business travellers' eligible for a Travel Insurance policy?

Yes, business travellers are eligible for a travel insurance policy, however, this will depend on the company on the type of cover they have agreed with the insurer, it is also important to ensure in case of international travel the policy is eligible overseas.

    Can I buy insurance if I have an immigration visa?

Yes, you can buy travel insurance online even if you are travelling on an immigration visa. The maximum duration of your policy can only be 180 days. After 180 days, you need to purchase the policy from the country you are immigrating to. Some insurance companies provide coverage to immigrants for 90 days and some others for 180 days so you can select the plan accordingly.

    What is an Emergency Assistance Service provider?

Emergency assistance refers to a service which provides help in medical emergencies during travel or you are in need of urgent care. The assistance service provider may be called first, or after the individual has been taken by local emergency services to the hospital. Emergency assistance contact information can be found on your travel insurance provider’s contact page.

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

No, only one travel insurance policy will be issued per single trip to the insurer by the insurance company.

    Is it mandatory for the customer to be in India during the purchase of policy?

Yes, it is mandatory for the customer to be in India because once you depart from India, you cannot buy the travel insurance policy.

    What paperwork is required for buying travel insurance online in India?

Zero paperwork is required for buying travel insurance online in India because it can be purchased online.

    How can I cancel my travel insurance policy?

To cancel your travel insurance policy, you will have to contact the travel insurance provider directly. In case you have cancelled your trip and did not make any claims, you simply need to deposit your proof of passport to show that you did not take any journey for the trip. Request for cancellation is considered within 14 days after the commencement of the policy.

    Will I get a refund if I cancel my travel insurance policy?

If the cancellation is done before the departure date then a full refund fewer cancellation charges will be provided. If it is after the start date and non-departure, then you have to provide proof of your non-travel, a full refund less the cancellation charges will be provided. However, if you are cancelling the policy post-travel or leaving for your home country amidst of your journey based on utilised premium, remaining premium sans cancellation charges will be provided.

    How many times can we extend the policy?

Yes, you can extend the travel insurance policy any number of times. But this holds true only if the total duration of the policy is equal to or less than 360 Days.

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

Travel insurance companies charge a premium to travellers on a per-day basis or take the entire payment in advance. If the insured returns home earlier than planned, he/she will be eligible for a partial refund provided the premium was paid in advance and no claims were raised during its tenure.

    What are the maximum days for which I can take the travel insurance policy?

The duration of the days varies from one travel insurance company to another. The maximum number of travel days under a single trip that will be insured is 182 days.

    Contact details from Different Countries? List or numbers?

You can contact your Emergency Assistance Provider. All the contact details of the TPA are specified in the travel policy schedule.

    What is Sum Insured?

Sum insured refers to the maximum coverage you are entitled to under a specific benefit. This benefit is mentioned in your policy schedule against each benefit like medical, baggage loss, trip cancellation etc.

    Who is the TPA/ Emergency Assistance Provider?

Emergency Assistance Provider/ TPA( Third Party Assistance) is a travel insurance company hired service provider appointed for providing administrative services and cashless services to their customers. A TPA acts as a mediator and serves as a claim processor, information provider for the customer and also helps in networking.

    Whom do I contact while abroad in case of any emergency?

You can contact your Emergency Assistance Provider /TPA in case of any emergency. All the contact details of the TPA are specified in the travel policy schedule.

    From where I can access the list of network hospitals?

There is no specific list of network hospitals which can be provided directly to the Insured. Travel policy covers all the hospital and the service providers in case of emergency. You have to contact the Emergency Assistance Provider. 

    What do I do first when I fall sick while abroad?

If you fall ill while travelling overseas, you can visit any hospital and intimate the travel insurance company after your visit to register a claim for reimbursement.

    How do I know Limit of each type of expenses? What expenses are covered or not?

All the types of limits and expenses are listed on your travel insurance online portal. You are recommended to go through the policy wordings for all the details, it has all the fine prints of the policy.

    What is covered under Personal Accident & Personal Liability?

Personal Liability covers damages for claims legally filed on the insured against

the property damage and medical expenses to others as a result of bodily injury caused by the insured in an accident. For Personal accident cover, you can refer to the table of losses in the travel policy wording. Apart from the death and permanent disability cover, you also get covered against the partial and temporary disability

    Within how many days I need to submit the documents for my travel insurance claim?

You have to arrange and submit the travel insurance claim documents within the 30 days from the date of return to India or expiry date of the travel insurance policy whichever is earlier.

    Will I be getting any card which I can produce in the hospital to avail medical services?

No, there is no card, you only have to submit the copy of your travel policy in the hospital and simultaneously contact your travel insurance company Service Provider to intimate the claim.

    Do you cover if we purchase only medicines from Pharmacists without consulting a doctor?

No, medicines purchased from pharmacies directly are not covered until and unless prior consultation is taken from the doctor and the same medicines are prescribed as part of the treatment. You will have to pay upfront and file a claim for reimbursement with the supporting consultation notes and prescriptions from the doctor.

    What if I lose all the original documents?

It is very important to provide all the supporting documents to your travel insurer to get your claim approved. But if you fail to produce the original documents, your claim will most likely get rejected and you will not get the claim amount.

    Is there any pre-approval required before hospitalisation?

In case of the planned hospitalization, you have to inform your travel insurer TPA about your medical treatment in advance. Moreover, you will also have to take a pre-approval from your travel insurer before getting admitted in case you want to avail the cashless claim facility.

    Do I get a free look period in travel insurance?

Free-look period is available in the annual multi-trip option where you have 15 days to review your policy. Most travel insurance policies do not come with any free look-in period. However, few travel insurance in India companies do offer a free-look period to people who are opting for annual multi-trip or student travel insurance.

    Do I get a grace period for domestic/international travel insurance?

Travel insurance companies generally provide a three days grace period to get your travel medical insurance policy extended provided there is no claim in the expired policy. 

    Can I buy travel insurance after leaving the country?

No, you cannot buy a travel insurance policy online or offline for your journey after you depart from the country. Many travel insurance companies do not allow travellers to buy travel insurance even on the day of their journey.

    What should I do to check the status of my policy?

You can check the status of the travel insurance policy by registering yourself on The travel insurance portal and login with your username and password. This will give you all the information related to your travel insurance policy.

    What are the minimum and the maximum duration the insurance can be purchased?

You can buy travel insurance up to the day before you leave on your trip. The coverage of a travel insurance policy for your trip begins as soon as you commence your journey and end the moment you return back to your city of residence. The duration of each journey is restricted to 30-60 days

    What credit cards offer free travel insurance?

Premium credit cards offer a lot of travel benefits including travel insurance.

Credit cards offering travel insurance are:-

●     HDFC Regalia credit card

●     Standard Chartered Visa Infinite credit card

●     Axis Bank Privilege Credit card

●     IndusInd Bank Platinum Aura Credit Card

    Can you buy insurance after starting your trip?

No, you cannot buy a travel insurance policy after starting your trip. You can buy a travel insurance policy at any point in time before your journey starts.

    Is it mandatory for the customer to be in India for international travel policy Issuance?

Yes, to buy any sort of travel insurance policy from Bajaj Allianz or any other insurance provider you need to be present in India. 

    I already purchased insurance, but there seems to be some change in my journey dates. Can I alter/change my trip dates in the policy?

Yes, the travel dates can be altered in travel policy after contacting the travel insurance company.

    I am an OCI Cardholder (Overseas Citizen of India). Can I buy a travel policy?

Yes, OCI cardholders can buy a travel policy but you should have a valid Indian passport and you intend to return back to India.

    I want my parent(s) to visit me. Can I be their proposer and purchase their policy?

Yes, you can purchase a trip insurance policy on behalf of your parents as a proposer.

    Do I need to undergo any medical examination for coverage?

Many travel insurance companies offer cover without a medical check-up, however medical tests are required for certain age groups, and in case you are visiting a country where certain medical tests are mandatory before arrival. It is advisable to check the guidelines of the travel insurance company.

You can also cancel your health insurance policy before its expiry instead of renewing it. You might also be eligible for certain benefits, if you surrender your policy after renewing it without break for a certain fixed number of years. You can contact your health insurance provider and know the complete details to cancel your medical insurance plan.

    Does travel insurance cover me if I cancel my flight?

Yes, your travel insurer will cover all the expenses and losses incurred due to flight cancellation before the date of the departure. However, you have to give the valid reason for the cancellation.

    Who are the travel assistance partners?

Travel assistance partners provide essential information that helps the customers to organize their journey including administrative requirements, medical requirements, safety information, medical repatriation etc. 

    What document will I get as proof of Insurance?

You will receive a copy of the travel insurance policy detailing the benefit of the policy from the insurer. 

    Does Travel Insurance Cover the Loss of Credit Cards?

Yes, travel insurance policies cover credit card loss, having a travel policy covering credit card loss helps recover credit card replacement cost and compensation of any fraudulent transactions. 

    Are Non-refundable Tickets Covered Under Travel Insurance?

Yes, the non-refundable tickets are also covered under your travel insurance policy. But, the amount of compensation depends on your insurance policies and conditions.

    What is the meaning of medical repatriation?

Repatriation covers the cost of being transported home if it's medically necessary after a medical emergency has been stabilized. This includes medical transport if necessary. If the worst happens and a covered traveller dies on the trip outside the home country, this service will transport the remains back home.

    What is Emergency Cash Advance?

Assistance service when the person requires emergency cash following incidents like theft/burglary of luggage/money or hold up. Two popular emergency cash advance services available to you include emergency loans and traveller’s check. In order to be eligible for emergency cash advances, you must present an official police report for the incident.

    How am I covered in case I meet with an accident and suffer injuries / any loss?

The travel insurance policy covers will compensate you for any unfortunate losses or outcomes of an accident that takes place during your travel. In case of an injury/losses, you will be covered up to your sum insured amount by your travel insurance policy. All your medical expenses and bills including hospitalization will be covered by your travel insurer.

    What kinds of risks are covered under the travel insurance policy?

A travel insurance policy protects you from the risks of having a financial loss rising

due to accidents, medical emergencies etc while travelling. The most common risk that are covered under the travel insurance policy is:-

●     Accidental death and injury

●     Overseas funeral expenses

●     Medical expenses

●     Theft

●     Delayed/loss of baggage

●     Overseas dental treatment

●     Loss of passport

●     Home burglary insurance

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

In case of a medical emergency, you will get the following benefits from the travelinsurance:

●     Expenses incurred for any sudden illness or injury.

●     Medical evacuation to India.

●     Transportation expenses of mortals remain back to India.

●     Accidental bodily injury during the trip.

●     Cost towards burial in case of one’s sudden demise.

    I am not a professional sportsperson. Will I be covered if I meet with an accident while ballooning/gliding?

If you meet with an accident while ballooning/gliding, then you will have to bear treatment expenses on your own. This is because many travel insurance companies do not cover adventure sports activities unless you purchase additional cover for adventure sports. It is best to confirm with your travel insurance company.

    Does the travel health insurance policy cover for dental treatment?

Yes, the travel insurance covers the injuries or mishappening which occurs during the travel span. So in case you face any kind of mishappening during the travel and a medical emergency comes up so all the expenses during the treatment would be covered under the policy.

    Does health insurance in India cover any kind of diagnostic charges like MRI, X-Ray or any other body scans?

Yes, health insurance in India covers some medical tests and scans as per the terms and conditions mentioned in your policy for in-patient hospitalization.

    How will my policy help me if I lose my passport?

Under travel insurance policy we get an opportunity to apply for a new or a duplicate passport. All the expenses which might occur during this time which is to apply for a new passport all are covered under the travel insurance. Hence we can claim all those expenses from the bank.

    What will happen if my baggage does not clear in time? Will my policy help me in any way?

Under travel insurance, we cover all the expenses of your baggage if the baggage delivery is delayed for more than 12 hours. The procedure includes reporting the delay in baggage with the concerned airlines you have travelled. This works as proof of delayed baggage and also helps the authorities track the same. 

    What if a handbag is lost while travelling by airline, will it be covered?

If any handbag is lost during travelling it does not get covered under travel insurance. The policy only speaks for any delay in luggage which would be handled by the airliners. However, you need to present the required documents of baggage delay to get the benefit.

    If I suffer any loss while travelling by railway/ship in a foreign country, does my travel insurance policy help me in any way?

Yes if you are travelling by any of the commercial mediums you get the requisite cover for the points mentioned in your policy. Make sure to go through the covered expenses and conditions therewith while buying the policy. 

    If I hire a car while travelling and meet with an accident, will the policy cover me?

Any situation where you end up with any sort of injury, health problems, or even death is covered under the policy. Travel insurance is inclusive of the personal liability due to which it is eligible for these expenses incurred during the trip. Also, any third party property losses can be covered under this policy

    In case I am short of cash, can I avail of Financial Emergency assistance?

Getting compensation for the cash shortage is a special requirement and it only applies if you are a victim of a theft or a robbery. But, you won’t get help if you run out of cash on your trip.

    What if my flight is hijacked? Will my insurance policy be of any help?

If in any case flight in which you are travelling gets hijacked for more than 12 hours. All expenses faced during this period would be covered under the travel insurance. 

    My house is going to be locked for months. In case there is a robbery/theft or fire will the insurance policy reimburse us?

Yes, you can get the compensation for such an incident, but for that, you need to get the Home Burglary Cover. With this additional travel insurance policy cover, you can avail compensation for actual robbery or for attempted. However, you will not get the required help in case of a fire or any other incident. 

    As a student, if I fall sick and have to repeat a semester will my travel insurance policy help me in any way?

In case of any hindrance in your studies travel insurance policy may help you via the Study Interruption Cover. But this could be possible if the reason is valid and you are hospitalised for more than one month. The reason could be any illness or injury, disease or any medical grounds.

    Is pregnancy or disease/complication arising out of pregnancy covered?

Travel Insurance does not pay cover for the disease/complication arising out of pregnancy. In certain circumstances such as in unforeseen pregnancy complications can be covered to some instances or in the prior purchase of travel insurance plan then pregnancy.

    If I sustain a loss on the last day of the policy and continue treatment abroad will the policy be automatically extended to cover the loss?

Yes, if in a covered period any loss occurs then the insured will get the claim. But the policy will not get extended. All the expenses of the loss will be covered.

    If a loss is sustained during the policy period while abroad, and this results in death or disability after coming to India. Will this be covered?

Yes, if a loss sustained during the policy period while abroad results in death or disability after coming to India will be covered under Travel Insurance policy terms and conditions.

    What is Accidental death and Dismemberment-Common Carrier?

Accidental Death and Dismemberment-Common carrier is a travel insurance policy cover that provides the insurer cash due to loss of life or limb in an accident during a covered trip.

    What does this travel insurance policy cover under Compassionate visit?

This travel insurance policy covers the travelling expenses of any one family member or friend under a Compassionate visit apart from covering wholesome some for the loss of the insured.

    What cover does the International Travel Insurance offer towards home and home contents?

A standard travel insurance policy will not provide any sort of cover towards the home or its contents. To avail for the same, you need to get an add-on cover on your insurance policy. 

    Can the existing International travel policy be extended to cover domestic travel as well?

No, you cannot extend your existing international travel insurance policy to cover the domestic travel expenses as well. For domestic travel protection, you need to secure another domestic travel policy or rely on your health insurance policies to provide the required coverage. 

    Will the policy cover the expenses towards new passport loss incurred in India?

No, the International travel insurance will not cover the expenses towards new passport loss incurred in India but if the travel insurance includes domestic trips then the loss will be covered under some travel insurance plans.

    Do you cover Ambulance Charges also?

Yes, in case of accidents during the covered trips, all the expenses including the Ambulance Charges are covered under Travel Insurance Policy.

    Will my family be covered under one Policy or Do I need a separate policy for travel and separate claim documents for each family member?

One can take the Family Travel Insurance Policy to cover your entire family. No separate claim documents are required for each family member under this policy.

    I suffer from Hypertension/Diabetes. Can I buy a travel policy?

Yes, even if one suffers from Hypertension or Diabetes one can buy travel insurance but one has to disclose this fact before purchasing the travel insurance policy.

    What sum insured should I opt for while travelling to Schengen countries?

A minimum sum insured to travel to Schengen countries is about 30000 EUR which is equivalent to 2,692,890 Indian rupees. The minimum sum criteria may differ from one travel insurance to another but this is a general estimate.

    How long does it take to receive the policy papers once I purchase the insurance online?

When one purchases the travel insurance online, a confirmation is immediately received. Along with this confirmation an ID card is also sent which is printable. This ID card alone is enough to make a claim. 

    If a student travel policy is issued for 2 years, the sum insured is applicable every year or overall?

Travel Insurance for a student issued for 2 years is applicable for the entire period of the policy taken. The sum insured is not applicable every year.

    Does my international travel insurance cover me in case of emergency medical attention required on an OPD basis?

Yes, international travel insurance covers the insured in case of emergency medical attention required on an OPD basis. Travel Insurance covers for OPD, injuries, local emergencies, etc. But it does not cover Self-inflicted damages and illness.

    Will you have to pay an additional premium to extend your travel insurance?

In case you want to extend your trip, it's recommended to extend your travel insurance plan which automatically means an additional premium amount to be paid. To extend the policy one has to fill the extension form online or one has to visit and fill the form in the nearest branch.

    What are the modes of payment?

Travel Insurance can be purchased with both physical and digital modes of payment. In physical forms, they accept cash, cheque, debit, and credit cards. Digital modes refer to Google pay, Paytm, and several other options.

    How do I decide the scope of travel insurance I require while travelling or does the insurance company decide this?

One can decide the scope of travel insurance which he/she may require. The insurer can provide them with the travel insurance plans which will cover all their interests. The insurance company can only suggest you opt for a better plan with add-ons but won't decide the scope for you.

    Can I avail of discounts on my premium amount? How?

There are no provisions to avail any sort of discount on your premium amount. 

    What is Travel Insurance Premium?

The travel insurance premium is the sum one pays to get cover benefits in case of some unfavourable events listed under the terms, plans, and conditions of the policy. This sum is annually payable.

    How does Bajaj Allianz Travel Insurance settle its claims abroad?

In case any incident happens which is covered under the policy then all the expenses whether medical, services, hospitality, etc. are paid by the company and even cash in advance is also provided in some situations.

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

Yes, Travel Insurance states the time frame which is 30 days. Under this time window, the claim is to be filled so that the claim procedure can start. After this time frame, the claim is not processed. If the insured is unable to fill the claim document then his/her family member has to act on it.

    Do I need to pay the doctor/hospital/service provider or will they be paid by Bajaj Allianz?

No, you won't have to pay for a doctor, hospital, and service provider. All these expenses are covered in Travel Insurance and will be paid by the Bajaj Allianz. Apart from this Travel insurance policy also pay for the Compassionate visit in such cases.

    How long does it take to settle a claim?

After completion of all the formalities and documents, the claim is settled either in cash in case of death of the insured, cancel tickets, loss of passport, etc., or paid directly to the service providers, hospital, and doctor in case of injury or illness overseas

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

The extent of documentation required to get the travel insurance claim is minimal and this makes the process smooth. The documents required in case of an online purchase is the ID card and identity documents. Apart from this, the FIR copy is necessary.

    Do travel insurance plans Policy cover Pre-Existing diseases?

No, Travel Insurance plans won't cover pre-existing diseases such as diabetes, anxiety, mental disorder, HIV/AIDS, self-inflicted illness, alcohol/drug abuse, travelling against prescription by doctor or physician. Travel Insurance plans don't hide any of the facts and conditions which are not covered.

    In the case of any medical emergency is there any need for pre-approval before hospitalization? If pre-approval is required then what is the procedure?

In case of any medical emergency, one must contact the insurer's TPA so that they can make the negotiation for the cashless claim. In any case, this cashless claim is denied then one can fill for the reimbursement for the cash claim to meet the medical bills. 

    What is a sub-limit?

As the name sub-limit suggests, limitation. Well in travel insurance, sub-limit refers to the limitation on the amount of coverage which the insurance company is liable to the insured. It is a specific limitation on the coverage amount which limits the cover on a certain type or extent of the loss.

    Can I file a travel insurance claim once I return to India?

Yes, the insured can file a travel insurance claim once they return to India. The time window is 30 days or at the end of your trip. But this purely depends upon your travel insurance agency and the travel insurance plan which one has purchased.

    How will the reimbursement happen? Will I get the money in local currency or USD $?

One gets the policy reimbursement either in cash or the claim is settled on a cashless basis. If one gets reimbursement in cash then it can be in local currency or USD depending upon the location and situation.

    Will I receive the reimbursement money in my account directly or by cheque?

It is stated under the Business Travel Expense Policy that the advances for travel and reimbursement should be paid via cheques and not cash. So the amount of reimbursement money will be received in the form of a cheque by the insured.

    Can I claim for the treatment in India after returning to my home country?

Yes, one can claim for the treatment in India after returning to the home country if the treatment is prescribed to be taken under a specific doctor's residence of India or the treatment required is only available in India. But in reality, these cases are very rare.

    What if I am unable to submit original documents for reimbursement?

One has to submit the original documents for reimbursement or in any case one is unable to submit them such as if lost or destroyed, then one has to arrange its copy or make it new to get the reimbursement.

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

Yes, one can extend the travel insurance policy even if they already have an ongoing claim. The premium on the extended travel insurance will vary and this also depends upon the current plan and insurance company.   

    How many days does it take to settle the claim?

To settle the claim, one has to submit the required documents and after the acceptance of the same, the procedure will start. This procedure takes about 15 working days to process and then the claim is granted.

    Is an FIR required for the occurrence of an accident?

Yes, FIR is required on the occurrence of an accident. This is one of the necessary documents required for the claim and one must also provide the affidavit stating there was no third-party claim, if there was, then that must be disclosed as well.

    What is the Current Declined list of countries to which travel insurance coverage is not extended?

It depends on the package of your Travel Insurance. There are several types of packages such as worldwide, worldwide except America, Schengen countries, Asia, Asia excluding Japan and Korea, etc. The list of countries will be stated in which the insurance will cover the loss and also the countries which will not get covered under any loss.

    Will I be covered for any expenses incurred due to the treatment of COVID-19?

Yes, you will be covered for the expenses incurred due to the treatment of COVID-19 but not the expenses of isolation and quarantine by the Travel Insurance. This claim will be granted under certain conditions one of which is the time frame. 

    If I'm diagnosed with COVID-19, could I be covered for trip cancellation?

Yes, if you are diagnosed with COVID-19 within the 14 days of travel then you can get the trip cancellation coverage. Although this completely depends upon the insurer and the travel insurance one has purchased.

    How can travel insurance help people travelling through parts of the world with a heightened risk?

Travel Insurance helps people travelling through parts of the world with several plans. These plans provide coverage while travelling to different parts of the world but the amount of premium is high in comparison to other countries. 

    If I’m being advised to quarantine; are any of my accommodations or re-booking expenses covered?

No, the isolation and quarantine expenses are not covered by any insurer of the Travel insurance policy. The expenses of accommodation will be paid by you. The re-booking amount, however, may or may not be covered by several insurers.

    Is the COVID-19 cover applicable across all countries?

Yes, the COVID-19 cover is applicable across all countries. Moreover, COVID-19 Health Insurance is provided to pay for the treatment of the illness and other expenses as well which does not cost more. The Travel Insurance Policy may or may not provide the benefit all alone.

    What would be the documents required to file a claim for COVID-19?

To get the claim, one must provide documents such as identity documents, passport, copy of the report in which it was declared positive for COVID-19, hospitalization prescription letter by the doctor, insurance documents, etc. These are the necessary documents that are required to file a claim for COVID-19.

    Are there any general exclusions to the Coronavirus cover?

Yes, there are general exclusions to coronavirus cover. These general exclusions include home quarantine, non-recognizable quarantine centre, hospitalization without Doctor's recommendation, etc.

    Can I still extend my policy if I have contracted COVID-19? I want to get an extension as I'm stuck overseas - How do I do this?

Yes, you can extend your policy if you are contracted COVID-19. You have to download and fill the extension form, for the reason one has to disclose their condition. The insurer has to be informed when you get contracted immediately. 

    Are there any restrictions/guidelines on domestic travel insurance coverage for Coronavirus?

The conditions set forth due to coronavirus for international and domestic travel are similar. You are not eligible to secure any sort of coverage if your report is positive before travelling. 

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Gain Insight into the Top 10 Travel Insurance Companies in India

If you are planning to embark on a trip, then an insurance is as important as packing your bags. Travel in India can go rough sometimes and that is where an insurance will cover you. Insurance also takes care of any tragedy that can take place (touch wood) and lets you forget any tensions about your family if something should happen to you.

But which company gives you the best cover and which is the most reliable company to buy insurance from? Which company is known to have the highest claim settlement ratio?

Presenting you a list of the top 10 travel insurance companies in India.

#1. Tata AIG Travel Insurance Company in India #2. Apollo Munich Travel Insurance Company in India #3. Bharati AXA Travel Insurance Company in India #4. Bajaj Allianz Travel Insurance Company in India #5. SBI General/ Travel Insurance Company in India #6. Royal Sundaram Travel Insurance Company in India #7. HDFC ERGO Travel Insurance Company in India #8. Reliance Travel Insurance Company in India #9. Religare Travel Insurance Company in India #10. ICICI Lombard Travel Insurance Company in India

1. Tata AIG Travel Insurance Company in India

When it comes to trust, Indians always have an extra bit of faith towards the Tata Group. The company was formed due to a joint venture of Tata with the American International Group. Whether you are looking for domestic or international travel, this company can provide you with both.

The 4 insurance plans provided for travel are Student Guard Plan, Travel Guard Plan, Domestic Travel Guard Plan and Asia Travel Guard Plan.

Travelling within Asia? Get yourself an Asia Travel Guard Plan. Students who want to travel abroad for higher studies can opt for a Students Guard Plan. The insurance plans either cover domestic travel by road or rail or cover international travel by air.

Most claims settled for these plans are due to sickness during travel, loss of baggage and cancellation or delay in flight.

2. Apollo Munich Travel Insurance Company in India

Munich Health and Apollo Hospitals have made a joint venture to enter the insurance sector in India. They are now a big name among the travel insurance companies in India. The plans they provide include Easy Travel – Family, Easy Travel – Individual, Easy Travel – Annual Multi-Trip Plan, Easy Travel – Senior Citizens, Educare – Student Travel Insurance Plan.

An individual plan covers only a single person while a family plan covers self and spouse with up to two children. If you are a person between the age of 71 and 80, then a senior citizen plan can provide you with double the cover of a single plan. The annual trip plan is designed for frequent fliers who travel often.

Most plans start from a sum insured of 25000 and go up to 500000. The claim settlement is very easy. If you are thinking of a hassle-free plan, then this company is the one for you.

3. Bharti AXA Travel Insurance Company in India

The Bharti group is a leading telecom giant and settled in agri-business and finance business. The AXA group on the other hand has been in the asset management and insurance sector for a long time. The joint venture company established in 2008 catering to General Insurance needs is a mix of these to known as Bharti AXA. The company certainly ranks among the top 10 travel insurance companies in India. The company provides different plans for solo and multiple trips in both domestic and international sectors. Whether it is baggage loss or a missing passport case, the company has everything covered. Claims regarding medical expense and other emergencies are also covered.

Another really good factor about this insurance company is that it provides pre visa insurance to customers on 26 states in the Schengen area of European Union. So, if you are travelling to any of these countries, then you know where to go to.

4. Bajaj Allianz Travel Insurance Company in India

Bajaj is a known name in the Indian market since many ages. They have been known to make two wheelers for the average middle class Indian. The company made their way to the general insurance sector in 2001 and since then have been one of the top travel insurance companies in India.

They have three distinct plans for insuring your travel plans. The Travel Elite Plan, Travel Companion Plan and Travel Prime Plan. In the student section, three other plans namely, Student Elite Plan, Study Companion Plan and Student Prime Plan.

The company has been providing both individual and group insurance plans for a long time. Baggage loss and medical health cover are some of the common claims settled by them. The company received the best travel insurance company award from Outlook India and is one of the most trusted companies that provides Govt schemes too.

5. SBI General/ Travel Insurance Company in India

The most trusted name in banking also provides general insurance through its sister concern. The company began its operations from 2009. The best part of this company is that it provides insurance without and medical examination.

You can get both one way and multi trip insurance from the company. And the sum insured can go up to INR 5,00,000 if you are ready for it. Loss of baggage or passport and home burglary with trip cancellation are common claims settled by this company.

While the single trip is valid for 180 days, the multi trip insurance has a validity of 365 days. Any Indian person travelling abroad for leisure or work and any foreign national staying in India is eligible for an insurance from this company.

6. Royal Sundaram Travel Insurance Company in India

Chennai based Royal Sundaram is again a joint venture among the companies Sundaram Finance Group and Royal and Sun Alliance plc. A travel insurance plan for both international travelers and domestic can be availed.

leisure trips, students, multi-trip, senior citizens, the Travel Secure plan has it all. With a sum insured going all the way up to 1 million, you are sure to be worry free on all your journey. The company also makes tailor made insurance plans for people above 71 years of age. The senior citizen package is much better than a normal package when consulted for the right plan.

The company settles baggage loss claims, medical expenses and also offers daily cash allowance if someone needs to be hospitalized. The company obviously ranks among the top 10 travel insurance companies in India.

Related Article : Travel Essentials That Are A Must Have in Your Car for Your Next Road Trip

7. HDFC ERGO Travel Insurance Company in India

When the Indian bank with the highest market cap made a venture with Ergo International AG based in Germany, HDFC Ergo General Insurance Company was born. After its formation in 2002, this Mumbai based company catered to all kinds of general insurance. The travel insurance section of this company is also really strong.

The International Student Suraksha Plan by the company is made specifically for the students who go abroad for their studies. medical expenses in cases of emergency, dental expenses in cases of emergency, body repatriation, medical evacuation, permanent disablement and accidental death is covered by the company. In cases of checked in baggage loss or loss of passport, the company settles all claims too.

You can also be secured by the company if you face any personal liability, study interruption due to ill health, death of sponsor etc.

8. Reliance Travel Insurance Company in India

The Reliance General Insurance Company founded in 2000 is an Anil Ambani owned company. If you are thinking about any travel plans, then the company can cater any need you may have. The company sells travel insurance for Indian nationals travelling all over the world.

If you are planning on a solo trip, then the you can opt from the standard, silver, gold or platinum plan. The sum insured for the same starts from INR 50,000 and goes as high up as INR 5,00,000. The family insurance ranges from INR 50,000 to INR 1,00,000. Just like the other companies, cover for loss of passport, medical expenses incurred during travel, loss of checked-in baggage, compassionate visits, missed connections, trip cancellation or delay, financial emergency assistance, etc. are all covered.

The company also has two senior citizen categories, one in the band of 60 to 70 and the other between 71 to 90. The hospitalization for the senior citizens can match any world class company.

9. Religare Travel Insurance Company in India

After its formation in 2012 by the Union Bank of India and Corporation Bank, another travel insurance company was born to cater world class services in the field of general insurance. The insurance covers medical benefits like emergency hospital coverage, accidental hospitalization insurance with double sum insured, pre-existing ailment coverage etc. There are several benefits that are non-medical. They include coverage of passport loss and baggage which has been checked-in. Trip cancellation, delay or interruption, personal liability cover and medical evacuation are also available.

The medical section of coverage is very strong. So, if you are worried about falling sick, you know where to go to.

Must Read: Buying a Comprehensive Travel Insurance Plan For a European Trip

10. ICICI Lombard Travel Insurance Company in India

ICICI Bank and Toronto based company Fairfax Holdings Ltd founded ICICI Lombard in 2001 and since then, the company has been operating as a full-fledged general insurance company. The travel insurance sector caters to a very diverse group of clients. The company has need based products for every section of travelers. The sum insured varies from INR 50 000 to INR 5,00,000 and just like the other insurance companies , can insure medical and non-medical claims. The best part about the company is that there is no need for a medical checkup if the age of the insured is within 85 years. You can find both single and multi-trip insurance here.

So, the next time you are travelling somewhere, remember to insure yourself and then have a worry-free time of your life.

Must Read:  Personal Loan for Travel Plans in Jeopardy Because Of Fund Crunch?

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9 Best Travel Insurance Companies of May 2024

O ur team vetted 15 companies and narrowed our top picks to nine insurers, including Seven Corners, Generali Global Assistance and World Nomads. To do so, we read the fine print on travel insurance plans and compared coverage options and prices. That helped us determine which company stood out by offering services that may appeal to particular groups.

Money’s Main Takeaways

• Travel insurance can reimburse you for lost luggage, missed flights, trip cancellations or interruptions, and emergency medical expenses.
• Purchase travel insurance right after booking the trip to ensure the best coverage.
• You can compare multiple policies in one place through a marketplace such as TravelInsured.com.

Why Trust Us?

Our editors and writers evaluate insurance companies independently, ensuring our content is precise and guided by editorial integrity. Read the full methodology to learn more.

• Based on 15+ data points
• Reviewed 13 insurers
• 1,000+ hours of research

Comprehensive travel insurance can give you peace of mind, whether you’re going on a carefully planned trip or an impromptu adventure to one of the best places to travel .

Here are the nine best travel insurance companies of 2024 so you can protect yourself, your finances and your belongings while abroad.

Our Top Picks for the Best Travel Insurance

• Seven Corners – Best for Large Groups
• Generali Global Assistance – Best for Emergency Support Services
• World Nomads – Best for Adventure Sports Coverage
• Nationwide – Best Cruise Travel Insurance
• Travelex – Best for Families with Children
• Allianz Travel – Best for Business Travel
• AIG Travel Guard – Best for Add-Ons
• HTH Travel Insurance – Best for Long-Term Insurance for International Travel
• TravelInsurance.com – Best for Comparing Travel Insurance Quotes

Best Travel Insurance Reviews

• Coverage from five up to 364 days
• Allows coverage extensions
• Website includes sample scenarios to illustrate how the coverage works
• Hazardous activities not included in coverage (add-on only)
• Different plan options for WA, NY, PA, and MO residents

Why we chose it : We chose Seven Corners as the best travel insurance for large groups because it insures parties of 10 or more travelers through comprehensive policies that cover medical expenses and evacuations.

Seven Corners’ simple and budget-friendly Trip Protection Choice plan covers trip cancellation, interruption or delays for specific reasons, including COVID-19 for groups of 10 or more. Its emergency medical protection goes up to $500,000 and offers up to $1,000,000 for medical evacuation and repatriation of remains.

In addition to its group trip travel insurance plans, Seven Corners has three travel medical plan tiers with comprehensive medical coverage for emergency room visits, hospital room and board, and onset of pre-existing medical conditions, among others.

These plans include 24/7 multilingual customer service to help with emergency travel arrangements, medical evacuations and locating the nearest embassy or consulate.

Read Seven Corners Travel Insurance Review

See rates on Seven Corners’s Secure Website >>

• Offers 24-hour emergency assistance services
• Up to $1K upfront payment for acute medical treatment
• Car rental damage add-on available
• Pre-existing condition coverage only available in the Premium plan
• High premium costs
• "Cancel for any reason" only available for Premium plan

Why we chose it : Generali Global Assistance is our choice for the best travel insurance for emergency support services because its policies include telemedicine, concierge services and identity theft resolution assistance.

All of Generali’s policies include 24-hour Travel Support, which can provide immediate assistance for problems that might arise during a trip:

• Medical emergencies
• Identity theft resolution
• Emergency cash transfer
• Replacing lost or stolen medication
• Locating lost or stolen items

Travelers can choose between three plans — Standard, Preferred and Premium — that cover trip cancellation, trip interruption, travel delay, and baggage damage, loss or theft. Each plan also covers medical and dental emergencies up to specific payout limits:

• Standard: up to $50,000 per person
• Preferred: up to $150,000 per person
• Premium: up to $250,000 per person

Both its Preferred and Premium plans include trip cancellation benefits or trip interruption in the event that a travel supplier — say, a cruise company, hotel or rental car company — becomes insolvent and can no longer offer its services.

Read Generali Global Assistance Travel Insurance Review

See rates on Generali Global Assistance’s Secure Website

• Emergency medical $100,000 (accident and sickness)
• Buy more while traveling
• 24/7 emergency support (Generali Global Assistance)
• Does not cover pre-existing conditions
• No CFAR option offered
• Trip Cancellation/Interruption coverage low compared to other providers ($2.5K-$10K)

Why we chose it: World Nomads is the best travel insurance for travelers who enjoy adventure sports because it covers over 150+ sports and adventure activities, unlike most companies.

While most travel insurance companies shy away from covering adventure sports and other off-the-beaten-path activities, WorldNomads offers policies specifically tailored to more adventurous travelers.

Its Standard and Explorer plans cover scuba diving, skiing, surfing and 150+ other sports and activities. Both plans include $100,000 in coverage for accidents and illnesses and 24/7 emergency support to help you find local physicians or medical facilities.

• Standard: Covers accidents and illnesses, emergency evacuation, trip cancellation, trip interruption, trip delay, accidental death and lost luggage or theft
• Explorer: Increases the coverage limits of each benefit and adds $35K in rental car damage coverage

Most companies don’t let you purchase or extend coverage during the trip, but World Nomads offers a rare alternative; individuals who didn’t purchase coverage before their trip can enroll in the company’s “Buy While Traveling” plan. Those who already purchased a policy can also extend their coverage to keep exploring.

Read World Nomads Travel Insurance Review

See rates on World Nomads’s Secure Website

• Offers a pre-existing condition waiver
• 24-hour assistance
• Multi-trip plans
• Must wait 12 hours before bag delay coverage
• Cancel for any reason is only available in premium plan
• Few options for additional coverage.

Why we chose it : We picked Nationwide as the best travel insurance for cruises because it offers travel insurance plans geared explicitly toward cruise travel.

Nationwide has three cruise insurance tiers (Universal, Choice and Luxury) that fit any budget and insurance needs.

Nationwide’s emergency medical coverage starts at $75,000, and all three of its plan tiers include “cancel for work reasons” coverage, $500 for return-home-early benefit, $200 for shipboard service disruption, and $25,000 for non-medical evacuations.

Covered reasons for cancellation and interruption include inclement weather, natural disasters and work-related emergencies.

Nationwide also has two single-trip plans: Essential and Prime. In addition to industry-standard trip protection basics, these plans offer above-average medical coverage starting at $75,000 and a “cancel for any reason” add-on that reimburses 75% of non-refundable trip costs.

Travelers can add a pre-existing conditions waiver and coverage in the case of a travel supplier’s financial default (as an upgrade to Essential and included in Prime).

Read Nationwide Travel Insurance Review

See rates on Nationwide’s Secure Website

• Flight insurance plans available
• Pre-existing conditions waiver
• Several upgrades available
• Upgrades not available for the Basic plan
• Customer service has limited operating hours

Why we chose it : Travelex is our choice as the best travel insurance for families with children because it offers two plans that cover family members under 17 at no additional cost.

Travelex Insurance Service features two main plans for international trips, Travel Basic and Travel Select — plus a Travel America plan for trips in the USA. Both plans include children 17 and under at no additional cost.

The Travel Basic is an affordable plan perfect for students, backpackers, small groups or those on a budget. These plans cover trip cancellation and interruption at 100% of the trip cost and offer up to $2,000 for trip delays or missed connections.

Read Travelex Insurance Services Review

See rates on Travelex’s Secure Website

• Epidemic coverage endorsement
• Allianz TravelSmart App
• Annual plan geared to business travelers
• 24-hour multilingual assistance hotline
• Low medical coverage
• No "cancel for any reason" benefit

Why we chose it : Allianz Travel is our choice for the best travel insurance for business trips because its comprehensive annual plan is ideal for frequent flyers, whether they are traveling for business or pleasure. It also covers business equipment against theft, loss, damage and delay.

Allianz sells 10 distinct travel insurance plans offering a wide range of options, from basic cancellation benefits to multi-trip protection. These plans include a 24-hour multilingual assistance hotline and the TravelSmart App, which gives quick access to travel advisories, local medical facilities, mobile claims filing and much more.

Allianz’s AllTrips Executive plan is tailored for frequent travelers, aiming to streamline business trips and enhance convenience. This comprehensive plan covers:

• Trip cancellation
• Trip interruption
• Emergency medical and transportation
• Rental car damage and theft
• Business equipment coverage (for lost, stolen, damaged or delayed equipment)

Another one of Allianz’s highlights is its lack of age restrictions (most other insurers limit coverage by age). Some of its plans also cover kids 17 and under traveling with a parent or grandparent.

Read Allianz Travel Insurance Review

See rates on Allianz Travel’s Secure Website

• Lodging expense benefit
• Trip saver and exchange specialized coverage included
• A child 17 and under is covered per insured
• Covers trips to Cuba if the traveler provides additional documentation
• High cost of premiums
• Most add-ons are not available for the basic plan

Why we chose it : We chose AIG Travel Guard as the best travel insurance for add-ons because it offers travelers a wide variety of coverage options with which to customize their plans.

AIG Travel Guard has over 30 years of experience providing comprehensive travel insurance to millions of travelers. These customers have had access to unique services such as MedEvac and Bag Trak®.

AIG Travel Guard’s most popular plan, the Preferred offers:

• Up to $500,000 for emergency evacuation and repatriation of remains
• Trip cancellation and interruption
• Reimbursement of up to 50% of your trip cost if you were to change your trip dates

Travelers can also add unique options such as a pet bundle, a wedding bundle (for canceled weddings) and an inconvenience bundle in the event any attractions you wanted to visit are closed.

Another of AIG’s specialized insurance products is lodging expense coverage. This benefit is for travelers who test positive for COVID-19 and must remain abroad until they present a negative test result.

For last-minute trips, AIG Travel Guard has the Pack N’ GO Plan that includes post-departure coverage and an exclusive 24-hour emergency travel assistance service.

Read AIG Travel Insurance Review

See rates on AIG Travel Guard’s Secure Website

• Travel medical insurance for groups of five or more
• International expatriate comprehensive coverage
• mPassport app to find doctors, pharmacies, and translations of drug names
• Pet medical expense coverage
• 12-hour wait for bag delay coverage (24 hours under the economy plan)
• "Cancel for any reason" option only offered in the Preferred plan
• Participants must be enrolled in a primary health insurance plan to be eligible for the multi-trip plan

Why we chose it : HTH Travel Insurance stands out as the best travel insurance for long-term international travel because it offers specialty coverage for expats and students.

HTH Travel Insurance’s Xplorer Plan offers comprehensive medical insurance for individuals and families traveling outside their home country for at least three months out of the year. This plan features:

• No deductible for office visits
• No waiting periods for preventive care services
• No pre-existing condition waiting period, provided the insured has proof of prior creditable coverage

HTH Travel Insurance also offers international health insurance for students with flexible trip duration options. This plan has unlimited annual and lifetime medical care maximums and includes supplies and prescriptions. In addition to unlimited telemedicine services, the plan covers medically necessary COVID-19 testing and treatment.

Other global health and safety services available through HTH Travel Insurance include 24/7 call assistance, access to elite international doctors and hospitals, and translated medical terms.

Read HTH Worldwide Travel Insurance Review

See rates on HTH Travel Insurance’s Secure Website

• Shows results from the top-rated insurers
• Offers helpful tips and articles
• Site only shows all add-ons available at checkout
• You may prefer a company that isn't on the marketplace

Why we chose it : We picked TravelInsurance.com as the best travel insurance for comparing quotes because it allows users to quickly and easily view plan details and prices from some of the top travel insurance providers in the industry.

TravelInsurance.com is a travel insurance comparison platform that simplifies the shopping process by connecting users with top-rated carriers. It breaks down coverage options and presents policies in a simple table for easy comparison.

This marketplace simplifies the process for travelers to input their trip details and receive customized quotes based on factors such as trip cost, duration and traveler ages. The results page presents essential coverage information, reviews, ratings and a link to each provider’s COVID-19 policy FAQs.

Read TravelInsurance.com Review

See rates on TravelInsurance.com’s Secure Website

Other travel insurance companies we considered

In this section, we feature popular companies that didn’t make our top picks. The table below highlights the highest coverage available for each type of benefit. Check out the full reviews to learn more about each provider:

• Tin Leg Travel Insurance Review
• TravelSafe Insurance Review
• AXA Travel Insurance Review
• Faye Travel Insurance Review
• Trawick International insurance review
• John Hancock travel insurance review
• Berkshire Hathaway Travel Protection

Travel Insurance Guide

Travel insurance reimburses you if you need to cancel or interrupt your trip early. It can also pay for stolen or lost baggage and medical expenses if you get sick or have an accident during the trip. You can purchase a single policy for a short trip, or purchase a long-term policy for frequent trips or long stays abroad.

Read on for more information on coverage benefits and tips on how to select the right type of coverage.

What does travel insurance cover?

What does travel insurance not cover, how much is travel insurance, how to get travel insurance, how much travel insurance do i need, credit card travel insurance, are there location restrictions when it comes to travel insurance.

• Travel insurance companies that cover COVID-19

Comprehensive travel insurance covers common travel issues and mishaps, from accidents to baggage delays.

The following are standard coverage options and add-ons.

• Trip cancellation insurance: refunds up to 100% of prepaid, non-refundable travel costs if you cancel an upcoming trip for eligible reasons.
• Trip interruption coverage: reimburses you for the unused portion of the trip as well as expenses you may incur to get back home. Insurers typically cap reimbursement at 150% of the cost of the trip.
• Travel delays: reimburses you (up to your policy limits) for extra expenses such as meals or lodgings during a flight delay. Insurers may also cover airport delays and any flight change fees necessary to catch up on your travel plans.
• Emergency travel medical insurance : reimburses you for medical expenses incurred during your trip, under certain circumstances. Coverage amounts for medical expenses can range from $15,000 to $50,000. Coverage may apply even if you’re pregnant while traveling .
• Emergency medical evacuation: Reimburses you if you need to be evacuated to the nearest medical facility or to a facility in your country of origin. Maximum benefits usually range between $100,000 to $500,000 but can be as high as $1 million.
• Baggage and personal effects: Refunds you the cost of replacement items if your luggage is lost or delayed during your trip, typically up to $2,500. You must wait a predetermined number of hours before filing a claim and submit purchase receipts or a list of items in your luggage. Coverage may be subject to a deductible.
• Worldwide assistance: 24/7 customer service should you need assistance while traveling. This includes multilingual medical hotlines that can provide medical advice and refer you to local healthcare services.

Popular travel insurance add-ons

Here we explain a variety of add-ons or riders that allow you to increase benefit limits and cover activities that may be excluded from standard policies.

The most common exclusions in a travel insurance policy are:

• Pre-existing medical conditions
• Injuries caused by extreme sports
• Theft/loss of personal items such as electronic devices and jewelry
• Pregnancy-related conditions
• Injuries that happen while you’re intoxicated with drugs or alcohol, even if the intoxicating substance is legal to use at the destination
• Missed flights, where the traveler is at fault
• “Foreseeable events” such as epidemics and pandemics that are officially declared by federal or international health agencies. (Claims related to COVID-19 illness may be covered)

The cost of travel insurance can range from 4% to 12% of the total cost of your trip and depend on:

• Your travel destination
• The length of your trip
• The types of benefits and policy limits you select

We used an online marketplace to get quotes for a family of four taking a trip from New York City to London. Let’s say that the family spent $2,200 on four tickets. Insuring all four travelers could cost between $90 to over $300.

To illustrate the potential cost of trip insurance, we calculated 6% of the cost of various trips.

You can buy travel insurance after booking a flight . However, it’s advisable not to delay obtaining a policy. The longer you wait between your initial trip payment and purchasing trip insurance, the greater the chance you’ll miss out on valuable add-ons like coverage for pre-existing conditions and CFAR upgrades.

The best time to purchase travel insurance coverage is right after you’ve booked your trip’s costliest non-refundable expense, i.e., flight tickets and lodging.

1. Define your travel insurance needs

Consider your reasons for traveling and how long you’ll be away, taking into account who is traveling with you as well as your planned activities.

Business travel insurance is suitable for those who travel frequently for work and need coverage for items like work laptops and phones. Vacationers who booked a cruise may need a specialized policy such as Nationwide’s cruise insurance plans , while students in overseas programs should look into a plan like Trawick International Insurance for students .

2. Review the policy limits

Each travel insurance benefit has a specific payout limit, which may or may not be enough for your particular situation. For example, individuals traveling with expensive personal belongings such as cameras or jewelry may want a higher payout limit for personal effects or riders for high-value items.

3. Check the policy’s fine print

Make sure the trip insurance policy you’re interested in covers the activities you have planned, especially if there are recreational sports involved.

Travelers with pre-existing medical conditions should also confirm whether those are covered under their policy. If not, they may need supplemental medical coverage or a different provider.

Take a moment to check if emergency assistance services are available 24/7 and what kind of assistance you can expect should you have a medical emergency or your belongings be stolen.

4. Compare travel insurance quotes

We recommend you get insurance quotes through comparison sites and marketplaces such as InsureMyTrip.com or SquareMouth Travel Insurance . If you’re traveling on a tight budget, you can still find cheap travel insurance that will cover the essentials, such as medical expenses and personal effects.

Consider the following when comparing quotes:

• Affordability
• Maximum payout limits for baggage loss or theft
• Available add-ons such as “Cancel for Any Reason”
• Policy terms regarding pre-existing medical conditions
• Minimum wait time before you can file a claim for baggage loss and trip delays
• Maximum payout limits for medical expenses and emergency evacuation

Before buying travel insurance , take stock of what losses you would incur if unforeseen events forced you to cancel the trip, or if you suffered an unexpected medical emergency.

• Non-refundable travel expenses: This includes flight tickets, lodging reservations, pet care accommodations, travel activities like guided tours and transportation expenses booked in advance.
• Potential medical emergencies: Travelers may need medical care abroad due to food poisoning, cardiovascular emergencies, endemic illnesses and injuries sustained in a motor vehicle crash. Some travel insurers recommend you get a minimum of $50,000 in emergency medical coverage for international trips and $100,000 for cruises and trips to remote locations.
• Additional coverage needs: Travelers who engage in adventure sports may need a rider to ensure medical coverage if they get injured. These sports are usually excluded from most trip insurance policies.

Many credit cards offer flight insurance and travel protection for lodging and luggage if you use the card to pay for these trip expenses. That being said, if you compare credit card travel coverage with travel insurance , you’ll see that most credit cards lack benefits such as medical expenses and emergency evacuation coverage.

Read our guide to the best travel credit cards for more information on how your credit card can help you travel smarter.

Most U.S. insurance providers will not issue international travel insurance for destinations that are currently under a State Department travel advisory or where there is political unrest. Among the countries usually excluded by providers are Russia, Ukraine, Belarus, Iran, Syria, North Korea, Myanmar and Cuba.

The U.S. State Department created the Smart Traveler Enrollment Program (STEP) so travelers can stay apprised of relevant security updates from the nearest U.S. Consulate. The program is free to use and travelers can register each upcoming trip as needed. STEP is a useful tool for all travelers, no matter their destination, as it facilitates contact between them and the U.S. Embassy in case of natural disaster, civil unrest or a family emergency.

Travel insurance that covers COVID-19

All of the insurers on our list cover COVID-19 if you become sick and need medical attention abroad. Trip protection is also available if you need to cancel the trip due to a COVID-19 infection.

Does insurance cover COVID-19 testing for travel?

Travel insurance doesn’t cover the cost of COVID-19 tests prior to your trip. It may cover COVID-19 tests during your trip if you get sick and a doctor requires a test to diagnose you.

Alternatively, low or no-cost COVID testing may be available at a health center near you if you need to get tested before departing.

Latest News on Travel Insurance

• Travel insurance is mainly used for international trips but insurers also sell policies for domestic travel. Check out our guide to domestic travel insurance to determine whether this coverage is necessary for your trip within the U.S.
• Planning a trip to a European destination within the Schengen area? You’ll need a Schengen visa and proof of medical insurance coverage. Read our Schengen travel insurance guide to learn more about this requirement
• Southwest now offers a rare (and valuable) welcome bonus if you sign up for the airline’s credit card: a complimentary extra ticket (minus taxes and fees) for one travel companion once you purchase a Southwest ticket. To unlock this bonus, you must spend $4,000 within the first three months after you open a Southwest credit card account.
• Travel search engine Kayak unveiled a calculator that can help you budget for vacations . The Vacay Valuator is a free tool that tallies how much you’d save if you cut certain expenses for a specific length of time and matches you with flights within that price range.

Now that the holiday season has passed, it’s time to start planning this year’s adventures. Check out the following travel guides to plan your next trip in 2024:

• Best Places to Travel in Spring
• Best Places to Travel in the Summer
• Best Places to Travel in Fall
• Best Places to Travel in Winter

Travel Insurance FAQs

What is a pre-existing condition for travel insurance.

Pre-existing conditions are illnesses or injuries diagnosed by a medical professional 60 to 180 days before you purchased the policy.

Providers may define pre-existing conditions differently, so ask your insurer about this, even if you qualify for a pre-existing condition waiver . Misunderstanding the terms and conditions of your policy could lead to your claim being denied.

Do I need travel insurance?

Travel insurance can be worth it , especially if you're traveling internationally and have covered non-refundable expenses upfront. It serves as a financial safety net, covering unforeseen events before or during your trip. It includes flight insurance and covers medical expenses and/or reservation costs if you get sick or need to cancel or interrupt your trip.

Having said that, this coverage isn't necessary if you can already get reimbursed for a canceled trip. This can happen, for example, if you reserve your trip with a credit card that offers travel insurance as a perk.

How does travel insurance work?

Travel insurance reimburses you for expenses or losses incurred before or during your trip, provided they are covered under your policy. It's more commonly associated with medical emergencies, but it also covers prepaid expenses like airfare, accommodations, tours and more.

If you suffer a covered loss, you'll need to file a claim and provide evidence of the loss. The insurance provider will then analyze your claim and reimburse you if it's covered under the policy. If the claim is denied, you can always appeal the decision.

What is the best travel insurance?

Can i cancel a flight and get a refund.

You can cancel a flight and get a full refund if you cancel within 24 hours of purchasing the tickets, according to the Department of Transportation. (This applies to airline tickets purchased at least seven days before departure.)

Once 24 hours have passed, all airlines allow you to cancel a flight and many offer a refund, credit or voucher. What you get will depend on the airline's policies and the type of flight you purchase.

To ensure you obtain a refund for your flight you should buy a policy that includes a cancel for any reason rider.

When is it too late to buy travel insurance?

Policies purchased at the last minute cover the basics: trip interruptions and delays, medical emergencies, and baggage loss or theft. You will miss out on valuable benefits such as "cancel for any reason," "trip interruption for any reason" and waivers for pre-existing medical conditions.

How We Chose the Best Travel Insurance Companies

As part of our methodology, we gathered travel insurance quotes from online comparison site Travelinsurance.com using the following profile:

• Family of four traveling from New York City to London
• $2,200 on flight tickets for all four travelers

We then reviewed the available plans and looked at the following factors to evaluate and compare each company:

• Plans and coverage: We looked for insurers with a variety of plans and the ability to customize the policy with upgrades. We focused on companies offering unique add-ons, such as coverage for extreme sports and lost gear or equipment.
• Ease of use: We considered how easily you could get a quote and understand the policy information. Most of these companies either offer just a few plans to keep things simple or provide a comparison page where you can quickly spot the differences in each plan.
• Customer service and support: Factors like a 24/7 hotline and an established network of global resources to help in an emergency indicate a company is well-prepared to respond to customer needs. We gave extra points to companies with mobile apps, multiple ways of accessing customer support and added perks like concierge and translation services.
• Reputation : To gauge each company’s reputation, we evaluated factors such as customer feedback and ratings, years in business and financial stability as evidenced by AM Best financial strength ratings.

Summary of Money’s 9 Best Travel Insurance Companies of May 2024

Best Travel Insurance Companies

© Copyright 2024 Money Group, LLC . All Rights Reserved.

This article originally appeared on Money.com and may contain affiliate links for which Money receives compensation. Opinions expressed in this article are the author's alone, not those of a third-party entity, and have not been reviewed, approved, or otherwise endorsed. Offers may be subject to change without notice. For more information, read Money’s full disclaimer .

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Beyond borders: Best international trips from India for women in 2024

Travel is an opportunity to explore a new country's culture, people, and places. More so for women travellers, who are defying norms by giving into their wanderlust. Travel can give you a space for self-care. An international trip can further your confidence and perspective. 

Here are five international destinations for opening up your heart

This culturally rich country in East Africa is an enigma. You can experience nature at its purest; diverse wildlife, beautiful beaches, and intriguing history. 

·      Most visited places - Serengeti National Park, Mount Kilimanjaro, Zanzibar ·      Experiences not to miss -

    ·     Lake Natron, the red lake with flamingos

    ·     The great migration, animals moving towards Masai Mara during July and August

    ·     Kuza Cave, a limestone cave with turquoise water. Enjoy, snorkelling, swimming, and music 

    ·     Shifting sand dunes, spread across the Ngorongoro plains, it's a must-visit place

    ·     Laetoli footprints, the oldest known footprints of early humans

    ·     Ol Doinyo Lengai, the coldest lava in the world

    ·     Changu island

    ·     Zanzibar night market

·      Points to remember - 

    ·       Most people speak and understand English. Just keep it simple.

    ·       Buy tickets, rent vehicles, or book tours only from licensed agents or offices.

    ·       Be cautious of locals offering to take pictures and bumping into you.

This European country is known for its mesmerizing beauty - volcanoes, geysers, hot springs, and lava fields. Explore the land of ice and fire with scenic landscapes and many wonders of nature.  

·      Most visited places - Reykjavík, Gulfoss, Þingvellir, Vík, Skógar ·      Experiences not to miss -

    ·       Northern Lights, nature's captivating phenomenon, the dancing lights. In Mývatn between September and April

    ·       Blue Lagoon, mind and skin nourishment with natural geothermal baths

    ·       Whale watching at Breidafjordur

    ·       Ice caves at Vatnajokull Glacier

    ·       Skaftafell National Park

    ·       Geysir, the famous hot springs

    ·       Dettifoss waterfall

    ·       Avoid buying souvenirs from puffin shops

    ·       Avoid fake Icelandic woollen sweaters costing a fortune

    ·       Indian winter wear might not work there

    ·       Littering is a big no     

Beautiful landscapes, culinary wonders, technological advancement, and colourful landscapes; make it a great international destination.

·      Most visited places  - Mount Fuji, Tokyo, Osaka, Kyoto, Hokkaido, Nagoya ·      Experiences not to miss -

    ·       Temples of Kyoto

    ·       Climbing Mt. Fuji

    ·       Cherry blossoms (Sakura) at Hirosaki Park

    ·       Sumo wrestling

    ·       Stay at a ryokan, tradional Japenese inn

    ·       Picturesque train rides with Sagano Scenic Railway or the Tadami line

    ·       Hot spring baths at Kusatsu Onsen, Gunma

    ·       Gaming at Akihabara and Nakano

    ·       Street food in Osaka, Takoyaki, and Okonomiyaki 

    ·       Shopping at Ginza 

    ·       English is not widely spoken 

    ·       Do not follow any locals to bars or take drinks secondhand

    ·       Confirm prices and hidden fees upfront

    ·       Beware of fake notes 

    ·       Avoid staring and gesturing in public 

A haven for beach lovers, this US island state is filled with green, red, pink, and even black sand beaches. Hawaii is famous for the kindness and hospitality of its people.

·      Most visited places  - Oahu, Maui, Kauai, the Big Island, Hapuna beach, Haleakala National Park, Hawaii Volcanoes National Park, Waimea Canyon ·      Experiences not to miss -

    ·       Night dive at Manta Ray

    ·       Surfing at Waikīkī beach

    ·       Snorkelling on the Kona Coast or Kealakekua Bay 

    ·       Dolphin sighting in Honolulu

    ·       Take a boat to the Napali Coast

    ·       Kayaking on the Wailua River

    ·       Star party at Mauna Kea

    ·       Coffee in Kona

·      Points to remember -

    ·       Avoid "pick a pearl" and talking parrot guys

    ·       Do not touch wildlife or corals

    ·       Do not take rocks and corals

    ·       Follow signage

A combination of scenic landscapes, historic monuments, and engrossing architecture. It is a hub for art, culture, and fashion.  ·      Most visited places  - Rome, Florence, Amalfi Coast, Venice, Cinque Terre

·      Experiences not to miss -

    ·       Walk through the Colosseum

    ·       Guided tours of Mount Etna

    ·       The hidden Bagni San Filippo hot springs

    ·       Feel the love at Juliet's balcony in Verona 

    ·       Taking a rowboat inside the sea cave, Blue Grotto

    ·       Hike to Cala Goloritze

    ·       See Florence from above at the Piazzale Michelangelo

    ·       Take pictures with the trullos (cone-shaped white buildings) at Puglia

    ·       Explore the history in Pompeii

    ·       Say no to friendship bands

    ·       Do not step on the paintings on the floor

    ·       Don't get distracted by mime artists, gypsy women, or photographers

    ·       Beware of fake police

Safe travel tips to make a trip to these international destinations memorable 

·      Preplanning

Research the international destination before you start the journey. Cover climate, safe routes, visa rules, country rules, medical facilities, local allergies, transportation systems, mobile networks, internet connectivity, etc.

·      Create a detailed itinerary

Trace your entire journey on paper. Where will you go, how will you get there, what will you do there, and what will you eat there? This will give you a way to plan your finances, substitutes, and time as well. You can also download directions and translation apps for smoother travel. 

·      Pack accordingly 

Check climate and food availability before packing. Use travel organisers to separate clothes, toiletries, make-up, shoes, medicines, documents, and food. Leave a bit of space for souvenirs and shopping. Always keep utility items handy; like a flashlight, batteries, important medication, water bottle, energy bars, city map, etc.

·      Safe travels

        ·       Read about the women's crime ratio, focusing especially on areas and things to avoid.

        ·       Keep emergency numbers handy, like that of the Indian Embassy.

        ·       Be respectful of the cultural restrictions in the region to avoid conflict.

        ·       Do not give out your accommodation details to anyone. 

        ·       Keep important documents with you at all times. Keep a copy at the hotel and one, digitally. 

·      Get travel insurance

Since there are many external factors and unpredictable circumstances involved in tips, get an international travel policy to safeguard yourself. A comprehensive plan from Future Generali  can protect you against trip cancellation, lost or stolen luggage, and medical coverage during the trip.

Along with, also get a medical insurance for dual security.

·      Experience the journey

Women going on international trips from India have increased significantly over time. This is a unique opportunity to understand the local experiences, talk to new people, and observe their culture. 

Travel smart and travel often. Let travelling open up your horizons.

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When planning a trip to Thailand, there are numerous considerations, from packing essentials to itinerary planning. One crucial aspect often debated is the necessity of travel insurance....

Women on move: Why is travel insurance mandatory?

The number of women travelers has significantly increased in the last few years. Travel and tourism have become so accessible that women feel empowered to travel on...

Memories in the making: The ultimate guide to travel with kids

Do you want to escape the daily routine and go on an adventure with your little one? Travel with kids isn’t just about ticking destinations off a...

Visa on Arrival Countries for Indian Passport Holders

Are you afraid of too many uncertainties during the approval process of your visa? As per the latest Henley Passport Index report, more than 60 countries offer...

Travel is an opportunity to explore a new country's culture, people, and places. More so for women travellers, who are defying norms by giving into their wanderlust....

Solo or with friends: Women-friendly places to visit in India in June

Hey girl, pack your bags because an epic Indian adventure awaits this June. The warm days of June in India bring a unique charm. It's a time...

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