insurance travel india

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!

Travel Assistance Wherever, Whenever

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

IL TakeCare app – For all your insurance & wellness needs

Policy purchase, claims, renewal & more

• 1800 2666 (Available 24 x 7)

Got questions? Let's talk! Share your contact details and we'll give you a call.

Thank you for your interest in our product..

Thank You for your interest in our product. We'll get in touch with you shortly to answer your queries.

• Live Chat --> Live Chat
• Know about Agent and PoSP
• Become an Agent
• Become a PoSP
• All policy renewal
• Two Wheeler Policy
• Health Policy
• Travel Policy
• Business Insurance
• Home Policy
• Arogya Sanjeevani Policy
• Grievance Redressal
• Counter Offer Acceptance
• Info Centre
• Expert Blogs
• Tax Benefits
• Corporate India Risk Index
• Testimonials
• Knowledge Center
• IL Cafe Podcast
• Cashless Garages
• Cashless Hospitals
• Investor Relations
• English हिंदी

Bharti AXA General Insurance is now part of ICICI Lombard General Insurance.

• Motor Insurance
• Car Insurance
• Bike Insurance
• Motor Floater
• Pay As You Use(PAYU)
• Pay How You Use
• Single Owner Multiple Vehicle
• Health Insurance
• ICICI Lombard Complete Health Insurance
• Health AdvantEdge
• Health Booster
• Personal Protect
• Disease Management Program
• Arogya Sanjeevani Policy, ICICI Lombard
• Corona Kavach Policy, ICICI Lombard
• Saral Suraksha Bima, ICICI Lombard
• Golden Shield
• Travel Insurance
• Single Trip
• Gold Multi trip
• Student Travel
• Marine Transit
• Workmen’s Compensation
• Group Health Insurance
• Fire Insurance - Sookshma
• Marine Open Insurance
• Fire Insurance - Griha for Housing Societies
• Professional Indemnity Policy for Medical Practitioners
• Crop Insurance
• NRI Insurance
• Cyber Insurance
• ICICI Bharat Griha Raksha Policy
• Complete Home Protect
• Bike Policy
• Health Claims
• Motor Claims
• Travel Claims
• Home Claims
• Cyber Insurance Claims
• Redbus Claims
• Corporate Claims
• Mobile Claims - M-Kash

Last login:

08/12/2020 11:53:14

Your passport to travelling with peace of mind

Millions of indians love us because, cashless hospitalisation e.

Worldwide cashless medical facility on your international trip

IL Take Care app

Quick claim intimation, Food calorie check etc

24x7 customer support

• Visit: 286+ branches E

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.

Popular Searches

Let us help you explore and buy a new policy.

OTP verification

An OTP is sent to on SMS, WhatsApp and the given email ID.

Error message here

• Best Extended Auto Warranty
• Best Used Car Warranty
• Best Car Warranty Companies
• CarShield Reviews
• Best Auto Loan Rates
• Average Auto Loan Interest Rates
• Best Auto Refinance Rates
• Bad Credit Auto Loans
• Best Auto Shipping Companies
• How To Ship a Car
• Car Shipping Cost Calculator
• Montway Auto Transport Reviews
• Best Car Buying Apps
• Best Websites To Sell Your Car Online
• CarMax Review
• Carvana Reviews
• Best LLC Service
• Best Registered Agent Service
• Best Trademark Service
• Best Online Legal Services
• Best CRMs for Small Business
• Best CRM Software
• Best CRM for Real Estate
• Best Marketing CRM
• Best CRM for Sales
• Best Free Time Tracking Apps
• Best HR Software
• Best Payroll Services
• Best HR Outsourcing Services
• Best HRIS Software
• Best Project Management Software
• Best Construction Project Management Software
• Best Task Management Software
• Free Project Management Software
• Best Personal Loans
• Best Fast Personal Loans
• Best Debt Consolidation Loans
• Best Loans for Bad Credit
• Best Personal Loans for Fair Credit
• HOME EQUITY
• Best Home Equity Loan Rates
• Best Home Equity Loans
• Best Checking Accounts
• Best Free Checking Accounts
• Best Online Checking Accounts
• Best Online Banks
• Bank Account Bonuses
• Best High-Yield Savings Accounts
• Best Savings Accounts
• Average Savings Account Interest Rate
• Money Market Accounts
• Best CD Rates
• Best 3-Month CD Rates
• Best 6-Month CD Rates
• Best 1-Year CD Rates
• Best 5-Year CD Rates
• Best Jumbo CD Rates of April 2024
• Best Hearing Aids
• Best OTC Hearing Aids
• Most Affordable Hearing Aids
• Eargo Hearing Aids Review
• Best Medical Alert Systems
• Best Medical Alert Watches
• Best Medical Alert Necklaces
• Are Medical Alert Systems Covered by Insurance?
• Best Online Therapy
• Best Online Therapy Platforms That Take Insurance
• Best Online Psychiatrist Platforms
• BetterHelp Review
• Best Mattress
• Best Mattress for Side Sleepers
• Best Mattress for Back Pain
• Best Adjustable Beds
• Best Home Warranty Companies
• American Home Shield Review
• First American Home Warranty Review
• Best Home Appliance Insurance
• Best Moving Companies
• Best Interstate Moving Companies
• Best Long-Distance Moving Companies
• Cheap Moving Companies
• Best Window Replacement Companies
• Best Gutter Guards
• Gutter Installation Costs
• Best Window Brands
• Best Solar Companies
• Best Solar Panels
• How Much Do Solar Panels Cost?
• Solar Calculator
• Best Car Insurance Companies
• Cheapest Car Insurance Companies
• Best Car Insurance for New Drivers
• Same-day Car Insurance
• Best Pet Insurance
• Pet Insurance Cost
• Cheapest Pet Insurance
• Pet Wellness Plans
• Best Life Insurance
• Best Term Life Insurance
• Best Whole Life Insurance
• Term vs. Whole Life Insurance
• Best Travel Insurance Companies
• Best Homeowners Insurance Companies
• Best Renters Insurance Companies
• Best Motorcycle Insurance

Partner content:  This content was created by a business partner of Dow Jones, independent of the MarketWatch newsroom. Links in this article may result in us earning a commission.  Learn More

Travel Insurance For a Trip to India (2024)

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

in under 2 minutes

with our comparison partner, Squaremouth

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

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

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

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

Compare India Travel Insurance Companies

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

Why Trust MarketWatch Guides

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

Companies Reviewed

Quotes Collected

Rating Factors

Do I Need Travel Insurance for India?

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

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

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

Cancel for Any Reason Coverage

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

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

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

Gear Theft Protection

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

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

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

Medical Emergency Insurance and Emergency Medical Evacuation

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

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

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

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

Rental Car Protection

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

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

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

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

Trip Cancellation Insurance

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

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

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

How Much Does India Travel Insurance Cost?

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

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

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

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

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

How Do I Get Travel Insurance for India?

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

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

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

India Safety Tips

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

Crime and Safety

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

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

Day Trips, Tours and Excursions

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

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

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

Is Travel Insurance for an India Vacation Worth It?

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

Frequently Asked Questions About Travel Insurance in India

How can i claim flight compensation.

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

Do I need travel insurance to fly to India?

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

What does travel insurance for India cover?

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

Do all credit cards include travel insurance?

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

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

More Travel Insurance Resources

• Become An Agent

Respect Senior Care Rider: 9152007550 (Missed call)

Help Control COVID-19 New

Get In Touch

Claim Assistance Numbers

Health toll free Number 1800-103-2529

24x7 Roadside Assistance 1800-103-5858

Motor Claim Registration 1800-209-5858

Motor On the Spot 1800-266-6416

Global Travel Helpline +91-124-6174720

Extended Warranty 1800-209-1021

Agri Claims 1800-209-5959

Sales : 1800-209-0144

Service : 1800-209-5858

All transactions, whether they are financial or of any other nature, must be conducted exclusively through our branch offices, our online portals www.bajajallianz.com , our insurance agents or POSPs, or via insurance intermediaries registered with IRDAI who are engaged in solicitation. If you require additional clarification, please write to us at [email protected]

Thank you for visiting our website.

For any assistance please call on 1800-209-0144

Most searched keywords

Two Wheeler Insurance

Health Insurance

Car Insurance

Pet Insurance

• Travel Insurance

Car Insurance Renewal

Family Health Insurance

Car Insurance Calculator

Third Party Car Insurance

Two Wheeler Insurance Third Party

Third Party Insurance for Bike

Two wheeler Insurance Renewal

Select your Langauge

Travel Insurance Online

Avail best-in-class travel insurance online to secure you and your family. COVID-19 covered *

Cover Loss of Baggage/Passport

In-house Team(HAT) for faster claims processing

Cover Medical/Hospitalization expenses while traveling abroad

• Individual Travel
• Family Travel
• Business Travel
• Student Travel

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:

(Based on 3,912 reviews & ratings)

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.

Request CallBack PopUp

Thank You for Your Interest in Bajaj Allianz Insurance Policy, A Customer Support Executive will call you back shortly to assist you through the Process.

Request call back

Request Call Back

I hereby authorize Bajaj Allianz General Insurance Co. Ltd. to call me on the contact number made available by me on the website with a specific request to call back at a convenient time. I further declare that, irrespective of my contact number being registered on National Customer Preference Register (NCPR) under either Fully or Partially Blocked category, any call made or SMS sent in response to my request shall not be construed as an Unsolicited Commercial Communication even though the content of the call may be for the purposes of explaining various insurance products and services or solicitation and procurement of insurance business. Furthermore, I understand that these calls will be recorded & monitored for quality & training purposes, and may be made available to me if required.

I/We hereby give voluntary consent to BAGIC/Company to share my/our personal information and data provided in this proposal form with its group companies or any other person in connection with the Insurance Policy or otherwise, including for providing products and services of group companies that may be of interest to me/us, to be used in accordance with their respective privacy policies and subject to appropriate measures being in place to safeguard my/our personal information.

You Don't want to miss this

By opting out of WhatsApp communication, you'll lose out on:

• Your personalised quote delivered directly on WhatsApp
• WhatsApp notification on policy information, updates & announcements

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. 

TRAVEL INSURANCE FOR POPULAR COUNTRIES

Visa guide for popular countries, explore our insurance products, travel insurance articles.

Travel Health Insurance: The Complete Guide

Things to Remember When Traveling in COVID-19 Times

Popular Searches

Chat with us

Please enter valid quote reference ID

• Would you recommend Bajaj and its services to a friend who is looking to buy insurance? Select Select Definitely Not sure NO. Thank You Please select
• Any comments you have about our service/product/website? Please write your comment

Getting In Touch With Us Is Easy

Customer Login

Partner Login

Employee Login

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]

Related Articles

Why Senior Citizen Travel Insurance is a Must?

Long-distance travel plans for senior citizens can result in critical issues that are hard to handle. There are several risks related to senior travelers, especially when they travel overseas.

A List of Documents Required for an Indian Passport

A Passport is an Official Document issued by the Government, that provides the holder the verification of identity, ability to travel to and from foreign countries & allows the holder to avail of consular services while overseas.

A Detailed Guide To Schengen Visa And How To Apply For It

The Schengen Area is a region comprising 26 countries in the European continent that subscribe to a common visa policy across their borders. This article will navigate you through the process of obtaining a Schengen Visa

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] .

Easily Organize, Claim and Renew Insurance!

Know About Car Insurance

Compare Car Insurance

Know about Car Insurance

• Third Party Car Insurance
• Comprehensive Car Insurance
• Standalone Own Damage Car Insurance
• Zero Depreciation Car Insurance
• Taxi Car Insurance
• Used Car Insurance

Insurance Knowledge

• Car Insurance Companies
• Car Insurance Premium Calculator
• Car Insurance Claim Process
• Buy, Compare or Renew Car Insurance
• Cashless Garage
• Car Insurance Blogs

Read Our Blogs

Find Advisor

Know About Bike Insurance

Compare Bike Insurance

Know about Bike Insurance

• Third Party Bike Insurance
• Comprehensive Bike Insurance
• Zero Depreciation Bike Insurance
• Add On Cover
• Stand Alone Own Damage
• Bike Insurance Companies
• Bike Insurance Claim Process
• Bike Insurance Premium Calculator
• Buy, Compare & Renew Bike Insurance
• Bike Insurance Blogs

Know About Health Insurance

Compare Health Insurance

Know about Health Insurance

• Health Insurance Plans
• Family Health Insurance Plans
• Senior Citizen Health Insurance
• Critical Illness Insurance
• Mediclaim Policy
• Coronavirus Health Insurance
• Health Insurance Tax Benefit
• Health Insurance Companies
• Health Insurance Claim Process
• Buy, Compare or Renew Health Insurance
• Health Insurance Blogs

Know About Life Insurance

Compare Life Insurance

Know about Life Insurance

• Term Insurance Policy
• Money Back Policy
• Endowment Policy
• Life Insurance Companies
• Life Insurance Premium Calculator
• Compare & Buy Life Insurance plan
• Human Life Value Calculator
• Life Insurance Riders
• Life Insurance Blogs

Raise A Claim

Compare & Buy Best Travel Insurance In India – Features & Benefits

When embarking on an overseas journey, it is crucial that your travel insurance is one of the first things that you pack. To make your travel safe and fruitful it is imperative that you invest in a comprehensive travel insurance plan. The right plan would not only cover the minor expenses but also protect you against various unforeseen incidents that can take place while you are far away from home.

So, whether you need to travel for business or pleasure, and are looking for the best travel insurance India can offer, read on to know everything about the best travel insurance companies and the different travel insurance plans that they offer.

What are travel insurance plans and why do you need them?

Before we get into the details of travel insurance it is essential to find out what travel insurance plans are and why they are important. In simple words, a travel insurance plan offers you a safety net against the various risks that may arise when you travel outside. Considered to be a dome of security and protection, it is designed to safeguard a traveller from the losses he may suffer due to unforeseen circumstances.

While the world is becoming smaller and compact, frequent travelling has become a part of life for many. And with the world engulfed in viruses and infections, being under the cover of a travel insurance plan has become crucial. It is not uncommon to see travellers losing their baggage, falling unwell or being involved in an accident when travelling overseas. These circumstances are unpreventable and cost time, money and most importantly peace of mind. A good travel insurance plan from a great insurance company can rescue you from many such situations and prevent your losses to the nought.

Getting your travel insured will help you in the following ways and more:

• Saves you from the unforeseen medical expenditur
• Assistance in an unfamiliar and unknown territory
• Covers you for any kind of personal liability that may arise
• Emergencies are due to travel such as flight delays, loss of checked baggage, losing passport or laptop etc.
• Many countries have now made it mandatory for visitors to have travel insurance
• When you are insured you are automatically more eased out and can enjoy your time abroad all the more

Travel Insurance to the Rescue

The benefits that you can get from a travel insurance plan are plenty, but sadly, due to lack of awareness, many travellers are totally unaware of these benefits. Let us take a quick look at what all is covered under travel insurance. Please note that this is an indicative list of the coverage of most travel insurance plans, for specific plan related coverage, it is recommended that you go through the policy documents.

• Medical treatment that you may have to seek will be covered by your travel insurance
• Most travel insurance companies are offering coverage for Covid-19 treatment expenses
• Personal accidents will also be covered
• In case of hospitalisation, you may receive some daily cash allowance
• In case of a financial emergency, you may receive cash assistance
• Your insurer will compensate for emergency medical evacuation
• Repatriation of deceased
• In case you lose your Driver’s License you will be suitable compensated
• In the event of trip curtailment, you will receive assistance
• In case of a plane hijack, relief benefit will be paid out
• Cancellation of the trip will be covered
• Help and support in case of loss of passport
• Travel permission in countries where it is mandatory to have a travel insurance

List of popular companies offering travel plans in India

There has been a rise in the number of companies that offer travel insurance. Here is a list of the most popular travel insurance companies:

Factors to consider while buying travel insurance plans

• The nature of your Travel There are numerous kinds of travel plans available so you need to pick the one that suits your needs. For example, depending on the number of times you need to travel you can invest in a single-trip insurance plan or an annual travel plan. Look Out For: There are also companies that offer special tailor-made plans for senior citizens as well as students.
• Coverage Most of the benefits offered by the travel insurance companies are quite similar however, you need to see what features make one plan a better option than the other. You need to analyse your trip and then choose a plan that suits you. Tip: Go for a plan that offers maximum coverage, lowest premium.
• Your age plays a key role in the premium that you would have to pay
• The premium will directly depend on the number of days that you are travelling
• The total number of members that are covered
• Your medical history will also be taken into consideration. If you suffer from any illness, you may have to pay a higher premium
• You may also have to pay more if travelling to a high-risk country/ city
• Goodwill of the Insurer This is probably one of the most important things that you need to keep in mind when picking the right plan. There are a plethora of travel insurance companies out there and you may feel confused about which one to choose. But be smart about it, a company with a good track record should always be preferred.
• Insured Members When travelling with family, it is best recommended that you get insurance cover for all the members who are travelling. If any of the members face any contingency, the whole family would go through trouble and trauma. Tip : In case you have your parents/ senior citizens with you, and your insurance plan doesn’t cover them, you can opt for a separate travel insurance plan for them to keep them covered.
• Read between the Lines You must have heard “read the offer document carefully”. Though we often ignore the advice, it is crucial to be clear about the inclusions as well as the exclusions so that you can save yourself from any kind of heartburn later.
• Compare the Plans One of the biggest advantages of buying insurance online is that you get to compare any two plans or products. These days almost everyone buys things from the internet after a detailed comparison, so why should your travel insurance plan be any different. Tip : Visit an insurance aggregator website and compare the shortlisted plans. It would be easier to compare their features and the charges for each.

Tips to choose the best travel insurance company

You may not find it very easy to trust an insurance company with your hard-earned money, therefore, it becomes vital to choose an insurer that can help you in securing your as well as your family’s financial future. Making a prudent choice is imperative.

Keeping the following tips and factors in mind will help you in your hunt for the best travel insurance company:

• History of the Company Before entering a contract with the company it is important that you know the history as well the current standing of the company. Check the track record about how well the company has handled the ups and downs of the economy. Try and check out the ratings on the company website or any other trusted source.
• Claim Settlement Ratio A major parameter of your selection can be the CSR of the company. The claim settlement ratio is the percentage of the number of claims that have been settled by the company as compared to the claims raised.
• General Feedback The number of reviews that a company receives will also give you an idea of its values and approach towards its clients and customers. It is possible that some of the reviews may be fake or falsely generated, so take such information from trusted websites and sources only.
• Explore all the Available Options Comparing different companies will give you a better idea of the pros and cons of each. Make sure you first shortlist at least 3-5 companies and then make a decision. Also, look for the different features that they are offering.
• Customer Service Try to pick a company that has efficient and proactive customer care service. In your time of need, customer care is the first step of assistance. Their attitude and approach towards the customer are very crucial.
• The Premium Though the premium shouldn’t be the most important parameter to choose a company, it surely has significance. A higher premium often means more coverage, however, you need to find that out yourself. Without overshooting your budget, go for a comprehensive policy.
• Professional Help Going through numerous travel insurance companies and their plans can become quite overwhelming. If you find yourself more confused at the end of the surfing process, it is best that you seek the help of an expert. An agent would be able to help you in narrowing down the best potential travel insurance plans.
• Keep the Pandemic in Mind Due to the pandemic, there have been many companies that have brought changes in their plans, procedures as well as premiums. It is recommended that you stay updated with the changes being made by the company you are most inclined to pick.

Before you Set-Off Sadly in our country buying insurance is still not considered to be important. Not having insurance can be a cardinal mistake and just to save a few bucks today, you may spend through your nose tomorrow. A major reason why people do not part with their money easily is that there is still ignorance about the benefits of insurance, especially travel insurance.

When you buy insurance, be it travel or any kind, you need to ensure that you understand the plan completely. Many companies offer you the freedom and flexibility to choose a plan that suits your travel insurance needs. Rather than just planning a holiday, plan a safe and secure trip. Whether it is work or a vacation the best travels are the ones that are stress-free, so when you leave home make sure you leave all your worries behind as well.

Get Best Insurance Quotes For

Health Insurance

Life Insurance

Car Insurance

Bike Insurance

Policy Cancellation & Refund

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.

Confused about insurance? Let’s simplify it together!

Submit your details for expert guidance and hassle-free assistance.

IRDAI certified expert advice

Application assistance

Claim support

Get free advice

Now sit back and relax!

Our advisor will reach out to you shortly!

• Credit Cards

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.

1 thought on “11 Best Travel Insurance in India 2023”

Good amount of useful details.

Leave a Comment Cancel reply

Related posts.

11 Best Term Insurance Plan in India 2023

Care (Religare) Health Insurance Review 2023: Which Plan is Best For You

11 Best Health Insurance Plans in India 2023 (Plan Reviews)

Currently the video chat timings are 9:30am to 6:30pm from Monday to Saturday.

Call us now to secure insurance coverage for health, motor, and more. Timing: 10:00 a.m. to 07:00 p.m. every day.

Find quick answers to all your insurance queries from our self-help section.

Call us for any help with renewals or claims. Timing: 09:00 a.m. to 07:00 p.m. every day.

Join India’s leading general insurance company. Timing 09:30 a.m. to 06:30 p.m. Monday-Saturday.

Your Quote Details

Key Benefits:

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

Tax Excluded

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

Resend OTC in

Didn't receive OTC ? Resend OTC

We are unable to serve you at this moment. Please try again later.

International Travel Insurance

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

• No Paperwork
• No Medical Check-up
• 26 Countries 1 Policy
• Cashless Hospitalisation Worldwide

• Plan Details
• Manage Travel Claim
• Download Resources

What is an International Travel Insurance Policy?

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

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

Why Do You Need Travel Insurance When Going Abroad?

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

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

Mandatory by Law

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

Visa Requirements

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

Cost of Medical Treatments

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

Coverages Offered

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

What are the Different Types of Overseas Travel Insurance Plan?

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

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

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

Benefits of Reliance International Travel Insurance Plan

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

Baggage Loss or Delays Compensation

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

Passport Loss or Theft Cover

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

Medical Emergency Cover

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

Trip Cancellations and Interruptions Cover

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

Missed Connecting Flights

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

Personal Liability Cover

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

• Hijack Distress Allowance

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

Compassionate Visit

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

Features of Reliance International Travel Insurance Policy

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

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

What’s Covered Under Reliance International Travel Insurance Policy?

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

Medical Emergencies

Medical expenses.

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

Transportation Costs

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

Dental Treatment

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

Daily Allowance In Case of Hospitalisation

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

Personal Accident

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

Personal Liability

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

Repatriation of Mortal Remains

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

Baggage Covers

Delay of checked-in baggage.

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

Total Loss of Checked-In Baggage

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

Journey Covers

Loss of passport.

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

Missed Connections

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

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

Trip Cancellation and Interruption

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

• Financial Emergency Assistance

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

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

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

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

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

Medical Exclusions:

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

Baggage Exclusions

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

Journey Exclusions

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

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

How to Choose an International Travel Insurance Policy?

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

Check International Travel Insurance Policy Coverage

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

Look for Medical Emergency and Dental Treatment Covers

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

Choose Need-Based Sum Insured

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

Evaluate Claim Settlement Process

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

How to Buy International Travel Insurance Policy Online?

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

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

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

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

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

Factors that Affect Your Travel Insurance Premiums

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

Your Travel Destination

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

Length of Your Stay

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

Age of Traveller(s)

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

Type of Insurance Plan

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

Sum Insured

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

How to File An International Travel Insurance Claim?

Cashless claim, register claim.

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

Claim Settlement

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

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

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

New International toll-free numbers

Reimbursement Claim:

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

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

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

What are the Documents Needed to File a Claim?

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

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

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

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

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

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

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

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

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

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

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

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

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

Travel Insurance Articles

Interesting travel reads .

• Quick Facts

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Apart from these, you can opt for covers like:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

• Credit/debit cards
• Net banking

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

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

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

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

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

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

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

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

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

Any other documentation as deemed necessary by the Company.​

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

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

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

​​The claim procedure involves intimation and settlement.

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

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

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

Singapore and Thailand — 001-80099441111,

Hong Kong — 001-80099441111 and 006-80099441111,

USA — 18337426673,

Canada -011-80099441111 ,

Australia —0011-80099441111,

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

Israel — 00-80099441111 and 014-80099441111,

Greece —86002038017,

Argentina— 00-80099441111,

Austria— 00-80099441111,

Belgium— 00-80099441111,

China— 00-80099441111,

Czech Republic— 00-80099441111,

Denmark— 00-80099441111,

France— 00-80099441111,

Germany— 00-80099441111,

Hungary— 00-80099441111,

Italy— 00-80099441111,

Malaysia— 00-80099441111,

Netherlands— 00-80099441111,

New Zealand— 00-80099441111,

Norway— 00-80099441111,

Philippines— 00-80099441111,

Poland— 00-80099441111,

Portugal— 00-80099441111,

South Africa— 00-80099441111,

Spain — 00-80099441111,

Sweden — 00-80099441111,

Switzerland— 00-80099441111,

Taiwan — 00-80099441111,

United Kingdom — 00-80099441111

Dedicated National Toll Free Help Line : 1800 209 5522

Land Line : +91 22 67347843 +91 22 67347844  

Email : [email protected]

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

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

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

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

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

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

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

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

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

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

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

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

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

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

9. Expenses related to mental or psychiatric disorders.

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

Please refer policy wordings for complete list of exclusions.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Average Rating:

Showing 10 reviews

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

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

Purchased travel insurance from reliance to ensure my baggage safety

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

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

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

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

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

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

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

E-mail Brochure .

E-mail Policy Wording .

E-mail Claim Form .

Brochure has been sent to Your Email Address.

Claim Form has been sent to Your Email Address.

Sorry, something went wrong. Brochure could not be sent to Your Email Address.

• Select Product * Private Car Two Wheeler Health Insurance Travel Insurance Home Insurance Critical Illness Individual Personal Accident Office Package Select Product*
• Select Product Type * Buy New Renewal Select Product Type*
• Mr. Mrs. Ms. Enter full name
• this.maxLength) this.value = this.value.slice(0, this.maxLength);"> Enter mobile number

Resend OTP in 60 Seconds

• I agree to the Terms & Conditions

Thanks for the information. Our Customer Care will get back to you.

India USA Travel

10+ best travel insurance for usa from india (expert reviews).

So, you’re almost ready to trade your daily dose of masala chai for a steaming Starbucks, eh? Planning that dream journey from India to the sprawling horizons of Uncle Sam’s land, are we?

Now, while you’re dreaming about gazing at the Grand Canyon or shopping in New York City, there’s a little (big) thing you might be forgetting – travel insurance .

Now, I know what you’re thinking.

Travel insurance is as confusing as trying to assemble furniture with instructions that might as well be written in hieroglyphics. You may even think of it as that uninvited party guest, crashing your travel budget .

But pause for a moment! What if I told you that the right travel insurance could actually be your unsung superhero, swooping in to save the day in case of unexpected events?

From minor inconveniences like delayed luggage (who needs clean clothes, right?) to more serious issues like medical emergencies (ouch!), the right travel insurance can make all the difference.

And guess what? You’ve hit the jackpot!

After years of world exploration, policy deep-dives, and countless trial and error, we’ve put together a list of the very best travel insurances for all you eager-beavers planning a USA escapade from India.

In this all-in-one guide, we’re about to unleash more than 10 fantastic travel insurance options, each put under our microscope and reviewed by our experts who’ve seen it all and lived to tell the tale.

With clear analysis, handy tips, and a no-nonsense verdict for each, we guarantee this won’t be another yawn-fest insurance guide.

So, strap in, grab your masala chai (or Starbucks if you’re practicing already), and prepare for a deep dive into the world of travel insurance. Together, we’ll find that one policy that’ll be your travel buddy throughout your American adventure.

Ready to give your dream trip an extra layer of security and peace of mind? Let’s roll!

Get ready, because every scroll is a step closer to discovering that perfect travel insurance plan for your upcoming USA extravaganza. Let the fun begin!

In this article…

What is the best health insurance for visitors to USA from India? 

So, let me break it down for you.

Firstly, if you’re planning to bring your aged parents along, I’d recommend looking into insurance plans like Atlas America, which offers coverage for individuals aged 70 and above.

For young folks, I’d recommend the Patriot America plan or the Visitors Care plan. These plans cover basic necessities and aren’t too expensive . 

If you have any pre-existing medical conditions, I’d suggest going for a plan that covers them. Atlas America is one such plan. It covers pre-existing medical conditions up to a certain limit.

Be prepared to pay a bit more for such plans, though.

Now, if you’re worried about your budget, check out the cheapest health insurance plans from companies like IMG, Tokio Marine or Seven Corners. These are great for short trips and cover all the basics.

But, if you’re willing to splurge, you can consider plans like Liaison Majestic, that offer comprehensive coverage. 

If you’re planning a long trip, it’s best to get a plan that covers you for the entire duration. Atlas America and Patriot America offer comprehensive coverage for long-term visits.

Remember, it’s always better to be prepared beforehand than to regret it later.

So, choose the insurance plan that works best for you and have a happy and safe trip! 

Recommended Plans ⭐⭐⭐⭐  Atlas America 100% Coverage, Comprehensive plan ⭐⭐⭐  Safe Travels USA 100% Coverage, Comprehensive plan ⭐⭐  Patriot America Plus 100% Coverage, Comprehensive plan

Compare Plans

Indian Companies Offering Travel Insurance to USA from India

American companies offering travel insurance to usa from india, what is covered under travel insurance for usa.

International travel insurance for the USA typically covers the following:

1. Medical emergencies

This includes coverage for unexpected illnesses and injuries that require medical treatment . 2. Trip cancellations or interruptions

If you have to cancel your trip or cut it short due to unforeseen circumstances (such as natural disasters or sickness), your travel insurance may reimburse you for any prepaid expenses.

3. Baggage and personal effects

If your luggage or personal items get lost, stolen, or damaged during your trip, travel insurance may provide coverage for their replacement or repair.

4. Emergency evacuation

If you need to be evacuated due to a medical emergency or natural disaster, travel insurance can cover the associated expenses.

5. Accidental death and dismemberment

In the unfortunate event of accidental death or dismemberment, travel insurance can provide financial support to your beneficiaries.

Why Do You Need Travel Insurance When Traveling from India to USA?

“But why?”, you might ask, wondering if this is another scheme to drain your hard-earned travel budget. Well, my friend, let me paint you a picture.

Imagine you’re at the majestic Grand Canyon, clicking a storm of photos to flood your Instagram feed.

Suddenly, you lose your footing and twist an ankle. Ouch!

Without travel insurance, that twisted ankle could become a massive pain in your…wallet.

The USA’s healthcare system is one of the most expensive globally, with a simple visit to the doctor’s office potentially costing hundreds of dollars.

Now, wouldn’t it be nicer if you could focus on getting better instead of worrying about medical bills? That’s where travel insurance steps in!

Or, let’s say you’re strolling through New York City, thrilled about the shopping spree you’re about to embark upon. But oh no! Your wallet’s been stolen, along with your credit cards and cash.

Well, guess what?

A good travel insurance policy can provide coverage for stolen possessions, helping you to get back on track without a massive hit to your travel fund.

But wait , it’s not just about medical mishaps or stolen wallets.

What if you need to cancel your trip last-minute due to an emergency back home, or you miss your flight because of a delay in your connecting flight from Delhi to Mumbai?

Yup, you guessed it, travel insurance can cover those unexpected expenses too!

So, why do you need travel insurance from India to the USA? It’s simple, really. Travel insurance provides that crucial peace of mind that lets you enjoy the adventure and handle the curveballs that life might throw at you. 

After all, wouldn’t you rather be calculating how many souvenirs you can fit into your suitcase, rather than the potential medical bills or replacement costs for lost belongings?

We thought so too.

So, before you take that leap across the pond, make sure you’ve got your trusty travel insurance by your side. 

For more details on the benefits of travel insurance , don’t forget to check out our comprehensive guide on  Travel Insurance Benefits to make an informed decision. 

When Can Travel Insurance for the USA be Helpful?

There are a few scenarios where travel insurance for the USA can be a real lifesaver.

Think of it as your trusty travel sidekick, standing by your side, ready to jump into action when things don’t go according to plan. But when exactly can travel insurance be beneficial?

Let’s delve into some scenarios where having travel insurance can make all the difference.

1. Trip Cancellations:

Imagine planning your dream trip to the USA, right down to the last detail, only to have to cancel due to an unexpected emergency.

Non-refundable bookings for flights , hotels, or tours can result in a significant financial loss. Fortunately, travel insurance can help recover these costs.

For instance, if you have to cancel your trip due to a family member’s illness, your travel insurance would cover the non-refundable expenses, minimizing your financial loss.

2. Medical Emergencies:

The cost of healthcare in the USA can be quite high. If you were to fall sick or have an accident during your trip, the medical expenses could create a significant dent in your budget.

That’s where travel insurance comes in.

For example, if you contract food poisoning from trying out a new cuisine or sprain your ankle during a hike in Yosemite National Park, your travel insurance will cover the medical costs, saving you from unexpected expenditures.

3. Baggage Loss or Delay:

Losing your luggage or experiencing a delay in receiving it can be a major inconvenience. It could mean being without your essentials and needing to purchase replacements.

Travel insurance can help in such situations. If your baggage is delayed for more than a specific period (typically 12-24 hours), your insurance policy can reimburse you for the purchase of essential items like toiletries and clothing.

In the case of lost luggage, you’ll be compensated for the loss up to the maximum limit specified in your policy.

4. Flight Delays or Cancellations:

Flight delays or cancellations can disrupt your travel plans significantly. For example, if you’ve planned a tour of the Grand Canyon but your flight gets delayed due to bad weather, causing you to miss the tour, your travel insurance can cover the cost of the tour.

Similarly, if your flight gets canceled and you need to book a last-minute hotel for the night, your travel insurance would cover these unexpected costs.

5. Legal Assistance:

In an unfamiliar country, legal troubles can be quite daunting. If you’re involved in a legal issue, your travel insurance policy can help by providing coverage for legal expenses and advice.

This could be in a situation where you accidentally damage someone’s property or in a traffic violation.

In conclusion, having travel insurance can significantly reduce the financial risk associated with travel uncertainties. It’s like having a safety net, providing you peace of mind to enjoy your journey fully.

To find the best insurance suited to your needs, check out our expert reviews on the  Best Travel Insurance for USA from India .

Remember, your adventures should be filled with joy and excitement, not worries and stress.

Please note that the situations mentioned are for illustrative purposes and actual coverage depends on the specifics of your insurance policy. Always read your policy carefully to understand what is and isn’t covered.

Is it Mandatory to Get Travel Insurance in the USA?

While there are countries like Schengen countries where travel insurance is compulsory for visa approval, in the case of the USA, it’s a different story.

The United States government does not mandate travel insurance for visitors.

When you’re applying for a visa to the USA, there’s no requirement listed by the U.S. Department of State to have travel insurance.

So, technically, you could travel to the USA without any travel insurance.

However, it’s strongly recommended to have one. Why?

Because the cost of healthcare in the USA is one of the highest in the world.

According to data from the Healthcare Cost and Utilization Project (HCUP) , an emergency room visit’s median cost can go up to $1,389, and that’s without factoring in any additional treatment or hospitalization.

A serious accident or illness could result in medical bills amounting to tens of thousands of dollars, if not more.

Furthermore, travel insurance provides coverage beyond just medical emergencies. It covers you for instances like trip cancellation, lost luggage, and flight delays.

Such unforeseen circumstances can arise, disrupting your plans and potentially causing substantial financial loss. Having travel insurance helps mitigate these risks, providing you with a financial safety net.

While it’s not legally mandatory , certain tour operators or travel agencies may require you to have travel insurance as part of their booking conditions.

So it’s always best to check the conditions before making any reservations.

In conclusion, while travel insurance is not compulsory for travel to the USA, it’s strongly recommended due to the high healthcare costs and potential for other unforeseen expenses.

It’s about ensuring that you can enjoy your trip with peace of mind, knowing that you’re financially protected against any unexpected incidents.

To understand more about the benefits of travel insurance and how to choose one that suits your needs, do refer to our in-depth guide on the Best Travel Insurance for USA from India .

And remember, it’s always better to be safe than sorry!

What is the Cost for Travel Insurance for USA from India?

When it comes to the cost of travel insurance for the USA from India, there is a range of options available, tailored to fit various budgets and needs.

It’s essential to remember that cost is just one factor in your decision; the level of coverage is just as, if not more, critical.

Travel insurance premiums are influenced by factors like the length of your trip, your age, any pre-existing medical conditions, the type of coverage you choose, and sometimes even your destination in the USA.

Let’s look at some hypothetical scenarios to help you better understand how these factors can affect the cost of your travel insurance.

Scenario 1: Basic Coverage

Suppose you are a 30-year-old planning a two-week vacation to the USA and decide to go for a basic travel insurance plan.

Such a plan typically covers only emergency medical expenses and perhaps some additional benefits like emergency evacuation . You’re looking at an approximate premium starting from $40-$50.

Scenario 2: Comprehensive Coverage

Now, let’s say you’re the same 30-year-old, but this time, you opt for a more comprehensive plan.

Comprehensive plans often include coverage for trip cancellations, trip interruption, baggage loss or delay, in addition to emergency medical expenses. For such extensive coverage, your premium could range anywhere from $80-$100.

Scenario 3: Pre-existing Condition Coverage

Now, if you’re a 60-year-old traveler with a pre-existing condition, such as diabetes or hypertension, and looking for coverage that includes these conditions, your premium would be significantly higher due to the increased medical risk.

You might be looking at costs around $150-$200 or even more, depending on the severity of your condition.

Scenario 4: Adventure Sports Coverage

Suppose you are an adventure enthusiast and plan to indulge in activities like skiing, bungee jumping, or scuba diving.

In that case, you might want to consider a plan that provides coverage for adventure sports, which typically come with a higher premium due to the inherent risk involved. Depending on the specific activities covered, the premium could range from $100-$150.

In conclusion, the cost of travel insurance for the USA from India varies widely depending on your specific requirements and risk factors.

It’s crucial to assess your needs, understand what each plan offers, and choose accordingly. After all, peace of mind while travelling is priceless.

To get more details on the cost and coverage details of various travel insurance plans, have a look at our expert reviews on the Best Travel Insurance for USA from India .

Please note: The above prices are indicative and can vary based on the insurance company and specific policy terms. Always read the policy document carefully to understand the coverages and exclusions.

Buy Travel Insurance For USA From Indian Companies or Online

The question of whether to buy travel insurance for the USA from an Indian company or online can depend on your preferences, needs, and comfort level with digital platforms. Both options come with their own set of advantages and disadvantages.

Buying from Indian Insurance Companies:

Let’s take the example of an established Indian insurance company. A physical office presence can offer you a sense of security and trust.

You can walk into an office, speak to an insurance advisor face-to-face, clarify your doubts, and get guidance on the best plan for you. For many, especially those less comfortable with technology, this can be a huge benefit.

Advantages:

• Personalized service: Face-to-face interaction can provide personalized service. You can explain your specific needs and get recommendations accordingly.
• Paperwork Assistance: They can also help you navigate the sometimes complex world of insurance paperwork.

Disadvantages:

• Limited Choices: Physical companies may have limited offerings compared to what’s available online. This could mean you may not get a policy best suited for your needs.
• Higher Costs: Traditional insurance companies often have higher operational costs, which may reflect in their premium rates.

Scenario: Suppose you’re a 50-year-old man planning to visit your son in the USA. You’re not tech-savvy and prefer in-person assistance for understanding the insurance plans. You decide to go with a renowned Indian insurance company with a local branch office. The advisor there recommends a plan which costs INR 8000 ($110) for your 1-month stay.

However, the plan doesn’t cover trip cancellations and delay, something you would have preferred given the unpredictability of your work schedule.

Buying Travel Insurance Online:

On the other hand, buying travel insurance online offers a host of advantages, the primary one being convenience. You can compare and purchase policies at the click of a button, without leaving the comfort of your home.

• Wide Variety: Online platforms allow you to compare a wide range of policies from different companies, helping you to find the one that best fits your needs.
• Lower Costs: Online companies often have lower operational costs, leading to competitive premium rates.
• Convenience: You can purchase a policy anytime, anywhere, making it a hassle-free process.
• Impersonal: It can feel impersonal as most of the process is automated.
• Confusing: With such a vast array of options, choosing the right policy can be overwhelming.

Scenario: Suppose you’re a 30-year-old software engineer planning to visit the USA for a tech conference . You’re comfortable with digital platforms and decide to purchase your travel insurance online.

After comparing several plans, you opt for a comprehensive plan covering emergency medical expenses, trip cancellations, and delay for INR 5000 ($70) for your 1-week trip.

In conclusion, whether you choose to buy from an Indian insurance company or online depends on your comfort level, your understanding of insurance plans, and your specific requirements.

Always make sure to read the policy document thoroughly and understand the coverage and exclusions before purchasing.

Buying Travel Insurance from American Companies Vs. Indian Companies: A Comparison

When planning a trip to the USA from India, one critical decision is where to buy your travel insurance: from an American company or an Indian one? Each has its own advantages and drawbacks, which we’ll explore below. 

Buying from American Insurance Companies:

Purchasing travel insurance from American companies can come with benefits that cater specifically to travelers in the USA. 

• Localized Services: American companies have a better understanding of their own country’s medical costs and local emergency services, which can result in more precise coverage amounts.
• Easy Claim Process: In case of a medical emergency, American insurance companies often have a direct billing agreement with hospitals in the USA, which means the hospital bills them directly, sparing you out-of-pocket expenses.
• Comprehensive Plans: They often provide more comprehensive coverage options, including trip interruption, baggage delay, acute onset of pre-existing conditions , etc.
• Cost: Premiums from American insurance companies can be significantly higher compared to Indian insurance companies.
• Purchase Process: Buying insurance from an American company might be a bit more complex for an Indian traveler, given the differences in systems and processes.

Example Scenario: Let’s say you are a 45-year-old Indian woman traveling to the USA for a six-month stay. You decide to go with an American insurance company.

Your insurance policy, which covers high medical expenses, trip cancellation, and baggage delay, costs around $300.

In case of a medical emergency, the hospital directly sends the bill to your insurance company, leaving you worry-free.

Purchasing travel insurance from an Indian company offers advantages that can be appealing to Indian travelers.

• Cost-effective: Indian insurance companies usually offer lower premiums compared to American counterparts.
• Familiarity: Buying insurance from an Indian company means dealing with familiar systems, language, and customer service, which can simplify the purchase process.
• Reimbursement Basis: Most Indian insurance companies operate on a reimbursement basis. This means in case of a medical emergency, you’ll need to pay out-of-pocket first, and then the company will reimburse the expenses.
• Coverage: Some Indian companies might not offer as comprehensive coverage as American companies. 

Example Scenario: Now, if you’re a 30-year-old man planning to attend a two-week conference in the USA, you might prefer to buy insurance from an Indian company due to lower premiums.

You choose a policy costing INR 2000 ($30), covering basic medical emergencies. In case of any medical exigency, you’ll need to pay upfront and then claim reimbursement.

In conclusion, the decision between an American and Indian insurance company will depend on factors like your budget, the coverage you need, your comfort with the claims process, and the length of your stay. 

To better understand different travel insurance plans, you can refer to our comprehensive guide on Best Travel Insurance for USA from India .

Disclaimer: The above scenarios are fictional and provided for illustrative purposes. Actual costs and coverage may vary.

Key Features to Look for in a Good Travel Insurance Policy for Indians Visiting the USA

Navigating the plethora of travel insurance options can be a bit overwhelming, especially when you’re planning a trip from India to the USA.

However, understanding the key features to look for can make the process smoother and more effective. Here are some essential factors to consider when choosing the best travel insurance policy for your trip to USA from India:

1. Comprehensive Medical Coverage: Given the high healthcare costs in the USA, it’s crucial that your travel insurance offers comprehensive medical coverage. This includes outpatient, inpatient, and surgical treatments, ambulance services, and even dental emergencies.

2. Pre-Existing Conditions Coverage: If you have a pre-existing health condition, check whether the policy covers any acute onset or sudden recurrence. This article can help you understand more about health insurance plans that cover pre-existing conditions.

3. Emergency Evacuation and Repatriation: In severe cases, you might require immediate medical evacuation or repatriation. An ideal travel insurance policy should cover the costs associated with these situations.

4. Personal Liability and Legal Expenses: This feature covers legal costs in case you’re held legally liable for causing injury to a third party or damaging their property. It’s a useful feature to have, given the high legal expenses in the USA.

5. Baggage and Personal Effects Coverage: Losing your luggage or personal belongings can be stressful. An ideal travel insurance policy should cover lost, stolen, or damaged personal effects and baggage.

6. Trip Cancellation and Interruption Coverage: Unforeseen circumstances may force you to cancel or interrupt your trip. A good policy will reimburse you for the non-refundable expenses in such cases.

7. 24/7 Customer Support: When you’re in a different time zone, having access to 24/7 customer support can be a lifesaver. Make sure your policy includes round-the-clock customer service.

8. Direct Billing vs. Reimbursement: As discussed in our comparison of [American and Indian insurance companies , the process of claim settlement is crucial. Check whether the company operates on a direct billing or reimbursement basis.

9. Ease of Purchase and Renewability: The process of buying and renewing the policy should be straightforward and convenient. Online purchase and renewability are highly desirable features.

10. Policy Cost: Finally, compare the policy’s cost with the coverage provided. Sometimes, cheaper policies might not offer comprehensive coverage, and pricier ones may include benefits you don’t need.

These key features can guide you in choosing the right travel insurance policy for your trip to the USA. Always remember to read the policy document carefully to understand the coverage limits, exclusions, and terms and conditions.

Disclaimer: This article provides general advice, and individual needs may vary. Always consult with an insurance expert or the provider directly to understand what policy would best suit your specific requirements.

What are the Travel Documents Required While Travelling from India to the USA?

Journeying from the diverse landscapes of India to the broad horizons of the USA can be a thrilling adventure. However, it can also feel like you’re gearing up for a mission if you’re not well-prepared with the right documents .

Don’t fret! We’ve got you covered with a comprehensive checklist of all the travel documents you’ll need when jet-setting from India to the USA.

Buckle up, because we’re about to deep-dive into the world of passports, visas , and everything in between!

1. Passport:

Your passport is your primary ticket to international travel. Ensure that your passport is valid for at least six months beyond your period of stay in the USA. For Indian citizens, there are two types of passports – a 36-page regular passport or a 60-page jumbo passport.

If you’re a frequent traveler or planning a long stay, opt for the jumbo passport for extra visa pages. Check out the difference between the 36-page and 60-page Indian passports for more detailed insights. 

As an Indian citizen , you’ll need a valid US visa , unless you are eligible for visa exemption or traveling under the Visa Waiver Program (VWP), which unfortunately, doesn’t apply to Indian citizens as of the time of writing.

The type of visa you’ll need depends on the purpose of your visit. You might need a B2 visa for tourism, an F1 visa for studying, or an H1B visa for work. Each of these visas has a different application process and requirements, which you can check out on our dedicated Visa Page ).

3. Visa Interview Confirmation:

Once you’ve applied for your visa, you’ll be given an interview appointment at a US embassy or consulate . Keep a printout of this confirmation handy, as you might need to present it at the embassy or consulate.

4. I-94 Form:

The I-94 Form is a record of your arrival and departure in the US. This document is usually filled out on the plane and given to immigration officers when you land. It’s a crucial document that proves your legal entry into the country.

5. Visa Supporting Documents:

Carry all the supporting documents you used during your visa application process. These documents could include bank statements, employment letters, invitation letters from US contacts, travel itinerary, and more. Always carry originals and copies of these documents.

6. Medical and Travel Insurance:

Remember, healthcare in the US can be tremendously expensive. It’s advisable to have medical and travel insurance that covers unexpected medical expenses, trip cancellation, lost baggage, and more.

For more insights on this, refer to our article on the  Best Travel Insurance Plans for Visitors to the USA from India .

7. Prescriptions and Medical Documents:

If you’re carrying prescription medication, ensure that you have a letter from your doctor explaining your condition, the medication you’re on, and contact information for verification.

Always carry medication in the original packaging to avoid any issues at customs.

8. Proof of Accommodation and Travel Itinerary:

Proof of accommodation (hotel bookings, invitation letter if staying with friends or family) and your travel itinerary are essential to show that you’ve planned

 your stay and have a place to live during your visit.

9. Financial Proof:

Carrying proof of your financial ability to support your travel and stay is essential.

This proof can include bank statements, income tax returns, pay slips, or a letter of support from a sponsor if someone else is financing your trip.

10. Emergency Contact Information:

Always keep a list of emergency contact information, including the contact details of the nearest Indian Embassy or Consulate in the US, friends or relatives living in the country, and emergency helpline numbers.

Preparation is key to a smooth journey from India to the USA. Ensuring you have all the required documents in place will save you from unnecessary stress and help make your trip a memorable one.

For additional travel tips, head over to our comprehensive USA Travel Tips section. Happy travels!

Note: This information is accurate at the time of writing. However, travel requirements can change rapidly, so it’s crucial to stay updated by checking the latest information on official government websites.

Which is the Best Time to Visit the USA?

1. Spring (March to May):

Spring is a delightful time to visit the USA, with mild temperatures, fewer crowds, and nature in full bloom. It’s a fantastic time to visit national parks like Yellowstone and cities such as New York, Washington DC, and San Francisco.

However, this is also the season when allergies, particularly pollen allergies, are at their peak. Ensure your Travel Insurance covers any health issues you might encounter during your trip.

2. Summer (June to August):

Summer is peak tourist season in the USA. Attractions are crowded, and prices are usually higher, but you’ll get to experience popular events like Independence Day celebrations on July 4th.

If you’re planning to visit regions like Arizona or Texas, be prepared for high temperatures. Ensure your travel insurance covers conditions related to heat, such as heatstroke or dehydration.

3. Fall (September to November):

Fall in the USA is a spectacular sight, especially in regions like New England, where you can witness stunning fall foliage. The temperatures are cooler, and the summer crowds have thinned out.

However, keep in mind that this is also hurricane season for some parts of the USA. An apt Travel Insurance can cover any trip cancellations or delays due to severe weather conditions.

4. Winter (December to February):

Winter in the USA means snow in many parts, making it a great time for winter sports like skiing and snowboarding.

But if you’re not a fan of cold weather, regions like Florida or California offer milder winters.

It’s also the season of Christmas and New Year celebrations. However, winter can bring severe weather conditions like snowstorms or blizzards.

nsuring your travel insurance covers such instances can bring peace of mind during your winter travels.

In the end, the best time to visit the USA depends on your preferences and the regions you’re planning to explore.

And regardless of the season, ensure you’re equipped with a suitable travel insurance plan to cover any unexpected surprises during your adventure.

Check out our expert review on the Best Travel Insurance for USA from India to make an informed decision. 

Frequently Asked Questions

Is it mandatory to have travel insurance while visiting the USA from India?

While it’s not legally required, it’s highly recommended due to the high cost of healthcare in the USA. Not having travel insurance can result in significant out-of-pocket expenses in case of a medical emergency.

What is the best travel insurance for USA from India?

The “best” policy depends on individual needs and circumstances. However, factors such as comprehensive medical coverage, pre-existing condition coverage, emergency evacuation and repatriation, baggage loss, and trip cancellation coverage are important to consider.

What is the cost of travel insurance for USA from India?

The cost of travel insurance varies based on factors like the traveler’s age, trip duration, coverage selected, and whether you have any pre-existing medical conditions. Costs can range from $50 to several hundreds of dollars.

Does travel insurance from India cover COVID-19 related expenses in the USA?

Many insurance companies have started offering coverage for COVID-19 related medical expenses. However, you should check this specifically before buying a policy.

Should I buy travel insurance from an Indian company or an American company?

Each has its pros and cons. Indian companies usually offer lower premiums, while American companies may provide a smoother claim process and comprehensive coverage. Check out our article comparing the two  here .

Does travel insurance cover trip cancellation?

Yes, many travel insurance policies provide coverage for trip cancellation due to unforeseen circumstances such as illness, injury, or death of the traveler or a close family member.

What if I have a pre-existing medical condition?

Some insurance policies cover acute onset or sudden recurrence of pre-existing conditions. Always check this aspect before purchasing a policy.

Can I renew my travel insurance policy if my stay in the USA gets extended?

Most insurance companies allow policy extension or renewal , but you should confirm this at the time of purchase.

Does travel insurance cover baggage loss?

Yes, most travel insurance policies cover lost, stolen, or damaged baggage and personal belongings.

What is the claim process for travel insurance?

The claim process differs from one insurance company to another. Some companies work on a reimbursement basis, where you pay upfront and then file a claim for reimbursement, while others may have direct billing agreements with healthcare providers.

Can I use my Indian health insurance in USA?

While some Indian health insurance providers offer international coverage, it’s typically limited and may not cover all the potential costs in the USA, due to the higher cost of healthcare.

Additionally, claim settlement may be more complicated. It’s recommended to purchase a dedicated travel insurance policy that provides comprehensive coverage for your stay in the USA.

Always check your policy details or consult with your insurance provider for specific information.

Key Takeaways

• Travel Insurance is Essential: Travel insurance isn’t mandatory when visiting the USA from India, but it’s highly recommended due to high medical costs in the USA. It provides coverage for unexpected incidents like medical emergencies, trip cancellations, lost luggage, and more.
• Choose Wisely: Selecting the right insurance depends on individual needs. Important considerations include coverage for pre-existing conditions, claim settlement process, cost, and extent of coverage.
• Cost Varies: The cost of travel insurance varies based on factors like age, trip duration, selected coverage, and pre-existing conditions.
• Purchase Source Matters: Buying insurance from Indian companies can be cheaper, but American companies often provide a smoother claim process and comprehensive coverage.
• COVID-19 Coverage: Amid the ongoing pandemic, ensure your chosen insurance policy provides coverage for COVID-19 related medical expenses.
• Document Requirement: Be aware of the essential travel documents required for travel from India to the USA.
• Best Time to Visit the USA: Timing your visit during the shoulder seasons (spring and fall) can result in a more pleasant trip and potentially lower insurance premiums.
• Key Features: Look for essential features in a travel insurance policy such as comprehensive medical coverage, emergency evacuation and repatriation, coverage for lost/damaged baggage, and trip cancellation coverage.

Remember, travel insurance is your safety net when you are thousands of miles away from home. Don’t underestimate its importance. Happy and safe travels!

Recommended Plan For Your Travel

Safe Travels

Best for Visitors Economical Plan COVID19 included Covers Medical Pre-Existing Conditions First Health Network

Atlas America

Rated “A – Excellent” COVID19 included Covers Medical Covers Dental Trip Cancellation Full Refund on Cancel

About the Author

Mani Karthik

Ex “NRI” and Founder of the “Back to India” movement. I share my experience about immigrating to USA here.

USA Travel Checklist – Items to Carry & Things To Do

Forms to fill when traveling from india to usa, vaccinations for us citizens traveling to india.

[…] Related: Best Health Insurance for Visitors to USA […]

Hi, I am travelling to USA on visitor visa and plan to stay for 5 months. I am confused as to where I have to buy travel insurance. Whether from India or from USA. If from USA how do I get it. I am 58 years old. If from India , which one is good. Can I ask my relative in USA to get it on my behalf. Please mail in detail. Thank you.

It’s not mandatory Anu but good to get because medical care is super-expensive in USA. Why take risk? And I don’t recommend buying from India as most of those products are just good on paper. You can buy it online. Here are some good travel insurance plans for you .

Hope it helps.

Hi…my name is Edward..my friend will be sponsoring me on a visitor Visa…. Putting aside his status of living or eligibility to sponsor me what other or how much amount does he have to pay??

Thanks for doing this Mani. Great research and findings! I am buying a travel insurance for my parents and this helped a lot.

Thanks Ashwin.

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

We have updated our terms and conditions and privacy policy Click "Continue" to accept and continue with ET TravelWorld

We use cookies to ensure best experience for you

We use cookies and other tracking technologies to improve your browsing experience on our site, show personalize content and targeted ads, analyze site traffic, and understand where our audience is coming from. You can also read our privacy policy , We use cookies to ensure the best experience for you on our website.

By choosing I accept, or by continuing being on the website, you consent to our use of Cookies and Terms & Conditions .

• Leaders Speak
• Brand Solutions
• The new Schengen visa rules influencing Indian travel insurance preferences

The travel insurance sector is expected to see new trends with the new visa rules. In fact, some new trends are already taking shape. As per the data, there has been already a three to four per cent increase in users booking long-term travel insurance policies exceeding 45 days in April 2024 as compared to March’24. This trend is expected to get further push with to the relaxed visa norms.

• Amit Chhabra ,
• ETTravelWorld
• Updated On May 6, 2024 at 10:02 AM IST

• By Amit Chhabra ,
• Published On May 6, 2024 at 10:02 AM IST

All Comments

By commenting, you agree to the Prohibited Content Policy

Find this Comment Offensive?

• Foul Language
• Inciting hatred against a certain community
• Out of Context / Spam

Join the community of 2M+ industry professionals

Subscribe to our newsletter to get latest insights & analysis., download ettravelworld app.

• Get Realtime updates
• Save your favourite articles

• Schengen visa rules
• Amit Chhabra
• Policybazzar.com
• Travel insurance
• new Schengen visa rules
• Indian travel insurance
• travel insurance preferences
• travel insurance sector
• schengen visa

Capital One Main Navigation

• Learn & Grow
• Life Events
• Money Management
• More Than Money
• Privacy & Security
• Business Resources

Is travel insurance worth it?

April 30, 2024 | 2 min read

Planning a trip and wondering if you need a travel insurance policy? Keep reading to learn more about travel insurance to decide whether it’s right for you.

Key takeaways

• Travel insurance can provide financial protection if things go wrong before or during a trip.
• You might get travel insurance to cover potential losses from trip cancellations or delays, lost baggage or medical issues.
• Factoring in details specific to your trip and balancing with existing coverage might help you decide whether travel insurance is right for you.

Earn 75,000 bonus miles

Redeem your miles for flights, vacation rentals and more. Terms apply.

What does travel insurance do?

Travel insurance is a type of specialized protection that might help protect against financial losses from airline delays, medical issues or other unexpected occurrences. Some travel insurance plans focus on specific things, like lost baggage or health care. Others offer a wide range of benefits under a single plan. It’s a good idea to make sure you understand the terms and conditions, because coverage varies.

When might travel insurance be beneficial?

Some of the situations where it can help to have travel insurance include:

Interruptions and cancellations

Trip delay insurance covers food and lodging expenses if you experience an airline delay. Trip cancellation insurance can reimburse your prepaid costs if an illness forces you to cancel entirely.

Baggage issues

Baggage loss coverage can reimburse you if your luggage is lost, stolen, damaged or delayed.

Medical emergencies

Travel health or medical insurance can cover everything from medication to emergency medical evacuation if you become sick or injured when traveling abroad .

When might travel insurance be unnecessary?

There’s no right or wrong time for travel insurance. It depends on your circumstances. But when deciding whether travel insurance is worth it, you can consider things like:

• Type and length of trip: If the trip’s refundable, you might not need extra protection. And a short or cheap trip might not be worth the cost of coverage.
• Your existing coverage: Check existing policies and agreements. If you have coverage through your health insurance provider, credit card issuer or card network, you may not need more.

Considering travel insurance in a nutshell

Travel insurance can offer peace of mind if anything goes wrong before or during a trip. But it may not always be worth it. If you’re considering travel insurance coverage, looking at your situation, your trip and the terms and conditions of your existing insurance policies could help you determine whether the benefits outweigh the costs.

If you’re interested in getting insurance coverage from a credit card, you can check out the benefits that come with Capital One rewards credit cards .

Related Content

How does travel insurance through capital one cards work.

article | December 14, 2023 | 6 min read

All about booking with Capital One Travel

article | 7 min read

Are travel credit cards worth it?

article | January 9, 2024 | 7 min read

Travelling From India to the US? Here Are 3 Health Insurances to Know in 2023

Byron Mühlberg

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

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

Whether you're travelling to the USA to visit friends or family there, or just as a tourist eager to see the famous Times Square, Grand Canyon, or Golden Gate Park, before arriving from India, it's crucial to consider your travel insurance options And while travelling to the US can be an accessible, it's worth remembering that out-the-pocket healthcare costs are the most expensive in the world, so it's not just a good idea, but essential, to arrive in the country with travel health insurance under your belt.

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

US Insurance Profile

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

Best Travel Insurances for the US

• 01. Should I get travel insurance for the US? 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 from India to the US scroll down

Is Travel Insurance Mandatory From India to the US?

No, travel insurance is not mandatory for travel to, or through, the United States of America from 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 the US 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 the USA from 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 visitors from India travelling to the USA. It lets you choose between various plans tailored to meet the specific needs of your trip to the US, including coverage for emergencies, doctor's visits, and other medical-related expenses. 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 the US:

• 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 /person /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 good travel insurance provider for the US, especially if you're adventurous or frequently on the go and are looking for solid trip insurance from India 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 /person /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 young people or digital nomads from India because it offers flexible but comprehensive coverage at a famously affordable price. With SafetyWing, you can enjoy peace of mind in the USA 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 /person /month
• Insurance underwriter: Tokyo Marine HCC
• Best for: Digital nomads, youth, long-term travelling

Compare For Yourself

In this post, we explored three travel insurance providers you should consider for your next trip to the US from India. That being said, there are many more providers out there, some of which might make even more sense for you depending on your travel needs and preferences. To compare the top providers on the market, run a search on Monto's travel insurance comparison engine below 👇

Find travel insurance for you:

How do they compare.

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

Data correct as of 14/02/2023

FAQ About Travel Insurance from India to the US

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, travel insurance is not mandatory for travel to the USA. However, regardless of whether or not it's legally required, it's always a good idea to take our health insurance before you travel to the US. 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.

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 visitors 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 insured, 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 tourists.

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:

Why Trust Monito?

You’re probably all too familiar with the often outrageous cost of sending money abroad. After facing this frustration themselves back in 2013, co-founders François, Laurent, and Pascal launched a real-time comparison engine to compare the best money transfer services across the globe. Today, Monito’s award-winning comparisons, reviews, and guides are trusted by around 8 million people each year and our recommendations are backed by millions of pricing data points and dozens of expert tests — all allowing you to make the savviest decisions with confidence.

Monito is trusted by 15+ million users across the globe.

Monito's experts spend hours researching and testing services so that you don't have to.

Our recommendations are always unbiased and independent.

Travel Insurance for Parents Visiting the USA from India

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

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

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

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

Should I Buy Travel Insurance from India or the US?

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

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

What is the difference between Indian insurance and US insurance?

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

Indian Insurance:

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

USA Insurance:

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

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

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

Comprehensive Coverage Plans:

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

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

What does travel insurance for parents visiting the USA include?

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

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

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

Read more news like this on HindustanTimes.com