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Travel Insurance Policies in India
When finding the right travel insurance plan, you’ll get a long list of travel insurance policies online. Even if you ask any expert, you will probably get a non-committal answer. This is because every traveller is different and needs varying coverage. This article will help you shortlist travel insurance plans in India for your next trip abroad.
Travel Insurance Plans
- Individuals
- Sr. Citizens
- Students
Reasons Why You Need Travel Insurance
Buying trip insurance is your ultimate safeguard while travelling abroad. Many countries have also made it mandatory before you visit them. However, even when not mandated by law, insuring your trip is an essential step towards your safe trip. Here are some reasons to buy travel insurance policy for your upcoming trip:
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Safety from Lost Passport, Lost Documents & Baggage
Losing your travel documents is a horrible thing as it is a great security and financial risk. Getting a new passport issued abroad is an expensive task, which can affect the budget of your remaining trip.
Similarly, if you lose your baggage because of theft or airline fault, it can disturb your trip plans and finances. International travel insurance India covers passport and baggage loss. Make sure to purchase an online travel insurance policy which covers lost passports and baggage.
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Support in Case of Accident and Sickness
Falling sick on a vacation abroad is unfortunate and can significantly upset your plans. It forces you to give up on your travel plans and horribly affects your budget. With the right travel insurance plans in India, your insurer will cover any sudden medical expenses. The policy will cover emergency medical expenses because of sickness, injury, accidents faced abroad.
In some cases, it’ll also cover you for your listed pre-existing diseases and dental emergencies. -
Safety from Delays & Cancellation
A delayed flight can be very risky during international travel. Even an hour of delay can force you to miss a connecting flight or an important meeting. Because of a delayed or cancelled flight, you may end up spending extra on a hotel or another flight. Other expenses like non-refundable event tickets, tour bookings etc. will also suffer.
Similarly, flight cancellation can cause considerable financial loss as you must have several prepaid bookings. Your insurer will cover such trip delays, flight delays and sudden cancellations as long as it’s covered under your policy and is for a listed reason.
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Offers Medical Evacuation
Falling sick abroad is difficult, but even more difficult is when you are in a place without needful medical care. In this case, your medical evacuation is the only option left which is very costly. In case of worsening health, your insurance will cover medical evacuation expenses and help you move to the nearest available medical facility.
By choosing the right international travel insurance in India, you can easily get coverage for medical evacuation expenses.
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Travel Assistance
Travelling abroad can sometimes bring unexpected troubles that may be difficult to tackle alone. For example, what if you need to find the nearest doctor or medical facility with cashless hospitalisation? Your insurer can also offer travel assistance with such requests. Be it visiting a police station or claim related clarity, you can ask for travel assistance from your insurer.
Explore Types of Travel Insurance
How to Choose the Right Travel Insurance in India?
A good travel insurance plan offers comprehensive protection, including medical and journey insurance. However, it's hard to pinpoint any insurer as the right travel insurance company in India. To help you pick the right travel insurance policy, here are a few tips to follow:
- Consider buying a trip insurance plan which offers a good coverage amount (sum insured).
- Always compare different plans to know suitable travel insurance costs.
- Buy international travel insurance online after checking important factors like claim settlement ratio, customer satisfaction, user reviews etc.
- Go for a policy with fewer deductibles and minimum capping.
- Always declare any pre-existing disease before you buy international trip insurance. This will avoid any claim rejection related to that disease later.
- Finally, never buy any policy without comparing them on Policybazaar first.
Now, it's often a difficult task to choose the right travel insurance in India from the long list. To ease this hassle, we have come up with list of travel insurance plans you might consider before planning your vacation.
Travel Insurance Companies in India
Travel Insurance covers a variety of problems that may occur while you are travelling. It’s common to get confused as there are a lot of options when it comes to travel insurance companies in India.
You will need a specific plan depending on factors like travel insurance cost, your trip purpose, age, etc. These plans have been featured in this list based on the coverage offered. Let us have a look.
Aditya Birla Travel Insurance
Aditya Birla Travel Insurance will enable you to enjoy your overseas trip to the fullest by adequately covering against any medical, travel and other threats.
| Name of Insurance Plan | Coverage Offered |
| Overseas Travel Insurance Plan | Medical expenses, repatriation, personal accident, trip delay, passport loss, flight hijack, check-in baggage loss/ delay and accidental death & disability. |
Bajaj Allianz Travel Insurance
Bajaj Allianz travel insurance assures that no matter how far you travel, it always has your back. It offers travel insurance plans that cater to people from all walks of life.
| Name pe of Insurance Plan | Coverage Offered |
| Travel Companion | Trip delay, medical expenses, dental treatment expenses, loss of baggage, passport loss, accidental injuries, hijacks, and personal liability. Available for Individuals, Family, Senior Citizens, Students & Corporates |
| Travel Prime Individual | Trip delay, medical expenses, loss of baggage, hijacks, passport loss, accidental injuries, and personal liability |
| Travel Prime Family | Hospitalisation, loss of luggage, trip curtailment, trip cancellation and burglary. |
| Travel Prime Age | For travellers aged 61-70 years and trip duration between 1-90 days. Covers Hospitalisation, loss of luggage, trip curtailment and trip cancellation. |
| Travel Prime Super Age | For travellers aged 71-90+ years and trip duration between 1-90 days. Covers personal accident, medical expenses & evacuation, emergency dental pain relief, hijack cover, trip delay, golfer’s hole-in-one, etc. |
| Travel Age and Super Age | For travellers aged 61-85 years and trip duration between 1-180 days. Comes in three plan variants covering personal accident, loss & delay of checked baggage, emergency cash advance, medical expenses, accidental death & disability |
| Student Travel Companion | Personal accident, hospitalisation, family visit expenses, incidental expenses, tuition fee, bail bonds, loss of passport |
| Travel Prime Asia | Medical evacuation, medical expenses, loss of checked-in luggage, delay of luggage, loss of passport, personal accident, AD & D common carrier, emergency cash advance, personal liability and hijacks. |
| Bajaj Allianz Bharat Bhraman Travel Insurance Plan | Personal accident, permanent total disability, child education bonus,emergency medical evacuation |
| Travel Ace | Modular overseas insurance covers all medical & trip-related mishaps under 7 different plans. Coverage up to USD 50,000 - USD 500,000 for accidental medical emergencies, trip & even cancellation, baggage delay, missed connection, legal expenses |
Cholamandalam Travel Insurance
Cholamandalam Travel Insurance safeguards you from unpredictable risks that can disrupt your travel plans and cause major losses.
| Name of Insurance Plan | Coverage Offered |
| Chola Overseas Travel Protection Policy | Medical & dental expenses, ambulatory care services, check-in baggage delay, hospital daily cash, passport loss, financial emergency, personal accident, loss of international licence and personal liability. |
| Chola Student Travel Protection Plan | Medical expenses, bail bond, dental expenses, check-in baggage loss, passport loss, compassionate visit, sponsor protection, personal accident, study interruption and repatriation. |
| Chola Comprehensive Travel Insurance Policy | Medical treatment, flight hijack, dental treatment, passport loss, check-in baggage loss/ delay, home burglary, personal liability, trip delay/ cancellation/ curtailment, personal accident and financial emergency. |
Digit Travel Insurance
Digit Travel Insurance is designed to help you relax and rejuvenate during your overseas trips while staying safe no matter what the circumstances are.
| Name of Insurance Plan | Coverage Offered |
| DIGIT On the Move: Basic Option | Emergency accidental & medical treatment, check-in baggage delay or total loss, passport loss, personal accident, accidental death & disability and medical evacuation. |
| DIGIT On the Move: Comfort Option | Emergency medical & accidental treatment, trip cancellation, flight delay, missed connection, trip abandonment, personal accident, emergency cash, personal liability, passport & baggage loss, and bail bond. |
Future Generali Travel Insurance
Future Generali Travel Insurance keeps you protected from any unforeseen contingencies that may arise during your journey abroad.
| Name of Insurance Plan | Coverage Offered |
| Future Easy Travel | Medical expenses, check-in baggage loss/delay, daily hospital allowance, passport loss, financial emergency assistance, accidental death & permanent total disability, personal accident and legal liability. |
| Future Travel Suraksha | Medical expenses, dental sickness, passport loss, check-in baggage loss/ delay, personal accident, flight hijack, financial emergency assistance, personal liability and golfer’s hole-in-one celebration. |
| Future Travel Suraksha Select | Medical expenses, flight hijack, medical evacuation & repatriation of remains, passport loss, check-in baggage loss/ delay, financial emergency assistance, personal accident and personal liability. |
| Future Student Suraksha | Medical expenses, dental expenses, maternity expenses, passport loss, mental & nervous disorder treatment, tuition fee, bail bond, felonious assault, sponsor protection and personal liability. |
IFFCO Tokio Travel Insurance
IFFCO Tokio Travel Insurance will cover you from a wide range of exigencies that you may face during your travel or stay abroad.
| Name of Insurance Plan | Coverage Offered |
| International Travel Insurance | Medical expenses, daily hospital cash, check-in baggage loss/delay, financial emergency assistance, passport loss, flight hijack, personal liability, personal accident and dental treatment. |
| Pravasi Bharatiya Bima Yojana | Personal accident, medical expenses, repatriation of mortal remains, litigation expenses, a return ticket to India and maternity expenses to women emigrants. |
National Insurance Travel Insurance
National Insurance Travel Insurance can come to your rescue when you come across any unforeseen situation that threatens to ruin your overseas trip. You can opt for worldwide coverage, including/ excluding the USA or Canada.
| Name of Insurance Plan | Coverage Offered |
| Overseas Mediclaim Business and Holiday | Medical illness, personal accident, passport loss, check-in baggage delay/ loss, medical evacuation, personal liability, repatriation of remains and accidental disability. |
| Overseas Mediclaim Employment and Studies | Medical illness, medical emergency reunion, medical evacuation, contingency insurance, repatriation of remains and check-in baggage delay/ loss. |
New India Assurance Travel Insurance
New India Assurance Travel Insurance will provide you with adequate protection from any unfavourable situation during your international trip.
| Name of Insurance Plan | Coverage Offered |
| Overseas Mediclaim (Business & Holiday) | Medical & repatriation expenses, personal liability, personal accident, passport loss and check-in baggage delay/ loss. |
| Overseas Mediclaim (Employment & Studies) | Medical expenses, check-in baggage delay/ loss, repatriation expenses, passport loss, personal accident and personal liability. |
Oriental Travel Insurance
Oriental Travel Insurance allows you to travel abroad, leaving your worries behind by covering you against any unforeseen situations with the potential to spoil your trip.
| Name of Insurance Plan | Coverage Offered |
| Overseas Mediclaim - Business and Holiday | Medical expenses, check-in baggage loss/ delay, repatriation of remains, passport loss, personal accident and personal liability. |
| Overseas Mediclaim - Employment and Study | Medical expenses, personal liability, personal accident, passport loss, repatriation of remains and check-in baggage loss/ delay. |
Reliance Travel Insurance
Reliance travel insurance ensures a hassle-free journey, avoiding uneasiness and covering all travel-related perils. The plans have been formulated keeping in mind the various regions, which could also be customised for everyone.
| Name of Insurance Plan | Coverage Offered |
| Reliance Travel Care Policy - Overseas | Medical expenses, loss of passport, total loss of checked-in luggage, trip cancellation and interruption, trip delay, compassionate visit, missed connections, and home burglary insurance. |
| Reliance Travel Care Schengen Plan | Medical expenses, total loss of checked-in luggage, loss of passport, compassionate visit, and delay in checked-in luggage. |
| Reliance Travel Care Asia Plan | Medical expenses, total loss of checked-in luggage, and loss of passport, trip delay, financial emergency assistance, and delay in checked-in luggage. |
| Reliance Travel Care Policy Annual Multi-trip Plan | Medical expenses, loss of passport, delay in checked-in luggage, trip delay, total loss of checked-in luggage, trip cancellation and interruption, daily allowance, missed connection, home burglary insurance, and compassionate visit. |
| Reliance Travel Care Student Travel | Medical expenses, study interruption, 2-way compassionate visit, total loss of checked-in luggage, and loss of passport. |
Religare Travel Insurance
Religare travel insurance lets you have a delightful experience and explore the world without stress. The plans under this travel insurance ensure a perfect trip and provide you with cover for any financial emergency.
| Name of Insurance Plan | Coverage Offered |
| Explore Asia Travel Insurance Plan | Hospitalisation expenses, dental expenses, compassionate visits, loss-of belongings, trip delay, and loss of passport, etc. |
| Explore Africa Travel Insurance Plan | Medical expenses, pre-existing ailment, daily allowance, dental expenses, medical evacuation, loss of passport, loss of baggage, trip cancellation, trip curtailment, etc. |
| Explore Europe Travel Insurance Plan | Flight-cancellation, loss of passport, loss of checked-in baggage, delay of checked-in baggage, any expenses incurred due to hospitalisation, medical evacuation, incurred dental expenses, common carrier in accidental demise, pre-existing disease, compassionate visit, accidental hospitalisation with the double sum insured and much more are covered under the plan. |
| Explore Canada Travel Insurance Plan (Worldwide Excluding the US) | Medical or dental expenses, medical evacuation, compassionate visit, trip delay, personal liability cover, upgrading to business class, and loss of belongings |
| Explore Gold Travel Insurance Plan (Worldwide Excluding the US and Canada) | Hospitalisation, pre-existing disease, treatment in the home country, daily allowance in hospitalisation, accidental demise or permanent disability, personal liability, trip interruption, trip cancellation, loss of passport, loss of checked-in baggage, and so on. |
| Explore Platinum Travel Insurance Plan (Worldwide Excluding the US and Canada) | Trip delay, trip cancellation/ curtailment, loss of passport, loss of checked-in baggage, delay of checked-in baggage, the return of the minor child, personal liability, up-grading to business class, accidental death, permanent disability, two-way compassionate visit, dental expenses, hospitalisation expenses, daily allowance for hospitalisation |
Royal Sundaram Travel Insurance
Royal Sundaram Travel Insurance provides comprehensive protection and peace of mind to different kinds of overseas travellers.
| Name of Insurance Plan | Coverage Offered |
| Travel Secure - Leisure Trip | Medical expenses, accidental death & disability, flight hijack, check-in baggage delay/ loss, return of a minor child, home content insurance, personal liability and trip delay/ cancellation/ curtailment and passport loss. |
| Travel Secure - Multi-Trip | Personal liability, medical expenses, dental sickness, emergency cash advance, bounced hotel/ airline booking, flight hijack, trip delay/ cancellation/ curtailment, passport loss and compassionate visit. |
| Travel Secure - Student | Medical expenses, dental sickness, laptop loss, pregnancy termination, child care, study interruption, cancer screening & mammography, bail bond, felonious assault and personal liability. |
| Travel Secure - Asia | Dental sickness, medical expenses, compassionate visit, flight hijack, personal liability, emergency cash advance, trip delay/ cancellation, check-in baggage loss/ delay and passport loss |
| Travel Secure - Senior Citizen | Accidental death & disability, medical expenses, dental sickness, trip delay/ cancellation, political risk & catastrophe evacuation, airfare difference, passport loss and emergency cash advance |
SBI Travel Insurance
SBI Travel Insurance offers a comprehensive policy that allows individuals and family to travel around the globe in peace. This overseas travel insurance plan is meant for people travelling for business or vacations. Travellers can opt for a single-trip or multi-trip policy as per the frequency of their travel.
| Name of Insurance Plan | Coverage Offered |
| Travel Insurance (Business and Holiday) | Medical expenses, passport loss, personal accident, golfer’s hole-in-one, check-in baggage loss/ delay, home burglary, trip delay/ cancellation/ curtailment, flight hijack, personal liability, missed connection flight and daily hospital cash. |
Shriram Travel Insurance
Shriram Travel Insurance will provide you with comprehensive coverage so that nothing can spoil your international trip. You can customise your plan by choosing a cover that includes/ excludes the USA and Canada.
| Name of Insurance Plan | Coverage Offered |
| Shri Travel | Medical expenses, missed connection flight, dental treatment, financial emergency assistance, check-in baggage delay/loss, flight hijack, passport loss, personal accident and personal liability |
| Shri Travel Plus | Medical expenses, travel delay, dental treatment, bail bond, check-in baggage delay/loss, passport loss, missed connection flight, trip curtailment/cancellation & interruption and personal liability |
| Shri Travel Elite | Personal accident, flight hijack, medical expenses, financial emergency assistance, personal liability, trip cancellation & interruption, missed connection flight, passport loss, travel delay and golfer’s hole-in-one |
Star Travel Insurance
Star Travel Insurance will take care of all your travel worries so that you can make the most of your overseas trip.
| Name of Insurance Plan | Coverage Offered |
| Star Travel Protect Insurance Policy | Emergency medical expenses, flight hijack, legal liability, personal accident, trip cancellation/ interruption, check-in baggage delay/ loss, flight delay and passport loss |
| Star Corporate Travel Protect Insurance Policy | Emergency medical expenses, trip cancellation, check-in baggage loss/ delay, flight hijack, passport loss, missed connection flight, accidental dental expenses and flight delay |
| Star Student Travel Protect Insurance Policy | Emergency medical expenses, personal accident, personal liability, compassionate visit, sponsor protection, study interruption, baggage loss, dental expenses and passport loss |
TATA AIG Travel Insurance
TATA AIG Travel insurance covers you at every step of the journey you embark and from every possible adverse situation.
| Name of Insurance Plan | Coverage Offered |
| Travel Guard Insurance Plan | Sickness, accidents, loss of luggage, passport loss, flight cancellation or delay, dental treatment expenses, emergency travel, legal assistance, emergency repatriation, hijacking |
| Student Guard- Overseas Health Insurance Policy | Sickness, accidents, loss of luggage, loss of passport, flight cancellation or delay, dental treatment expenses, legal assistance, emergency travel, hijacking, death, assault, maternity benefits, child care, mental disorders treatment, nervous disorders treatment, cancer screening, physiotherapy, study interruption, fraudulent charges, sponsor programs, bail bond and trip delay |
| Asia Travel Guard Plan | Medical emergency, accident, loss of baggage, personal liability and passport loss |
| Domestic Travel Guard Plan | Missed departure, accident and medical reimbursement, loss of tickets, personal liability |
United India Travel Insurance
United India Travel Insurance will protect you from any unpredictable medical or travel exigencies while travelling abroad. You can opt for the sickness cover and choose a worldwide coverage or the cover including/ excluding USA & Canada.
| Name of Insurance Plan | Coverage Offered |
| OMP for Business and Holiday | Medical expenses, personal liability, personal accident, passport loss, check-in baggage loss/ delay. |
| OMP for Corporate Frequent Traveller | Medical expenses, check-in baggage loss/ delay, personal accident, personal liability and passport loss. |
| OMP for Employment and Studies | Medical treatment expenses only. |
Universal Sompo Travel Insurance
Universal Sompo Travel Insurance secures you from any unpredictable risks on your overseas trips so that you can enjoy your travel uninterrupted.
| Name of Insurance Plan | Coverage Offered |
| Travel Worldwide | Medical & dental expenses, flight hijack, personal liability, missed connection flight, passport loss, check-in baggage loss/ delay, financial emergency assistance, trip delay and personal accident. |
| Annual Multi-Trip | Medical expenses, home contents burglary, check-in baggage delay/ loss, missed connection flight, passport loss, trip delay/ cancellation, flight hijack, personal accident and financial emergency assistance. |
| Student Travel | Medical treatment, sponsor protection, personal liability, study interruption, personal accident, passport loss, compassionate visit, check-in baggage loss/ delay and daily hospital cash. |
| Travel Asia | Medical treatment, passport loss, personal accident, flight hijack, check-in baggage loss/ delay, personal liability, medical evacuation, dental expenses and repatriation of mortal remains. |
*Disclaimer: The list of insurers mentioned are arranged according to the alphabetical order of the names of insurers respectively. For more details on the features, benefits offered terms and conditions, please read the sales brochure carefully before concluding a sale. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. The list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website www.irdai.gov.in
Moreover, many countries don't allow entry if you do not have a travel insurance plan. Buying a travel insurance policy online is always advisable to get the right travel insurance quote.
Here is a quick rundown of the travel insurers offering international travel insurance India.
Travel Insurance at Your Rescue
Buying travel insurance plan is of utmost importance before you set foot in another country. Ideally, you should buy a trip insurance policy as soon as you have booked your flights and hotels.
Please note that there is not one specific insurance company which offers travel insurance policy. Rather travel insurance policy is any plan which provides you suitable coverage in your budget. It should cover all major emergencies that can cause unexpected financial loss.
It should secure you and your family members from any travel-related perils, which can lead to fiscal costs. Finally, ensure that it has an easy travel insurance claim procedure so that you can benefit from the policy without any hassles.
Over to You,
Remember, every travel insurance plan provider is different from the others, and so is the coverage being offered. Depending upon your travel needs, you can customise and accordingly zero down right travel insurance plans in India.
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*Price shown is for a 30 day trip to Thailand with 1 lakh dollar coverage for an adult of age 25 years
