Accidental & sickness medical expenses
Baggage Delay/ Loss
Trip Delay / Cancellation
Passport Loss
Emergency Medical Evacuation
Missed flights
Medical expenses
Passport Loss
Study interruption
Bail Bond , Personal Liability
Trip Delay / Cancellation
Compassionate visit
No medical tests
Instant policy

Shriram Travel Insurance

Shriram Travel Insurance is one of the most prominent travel insurance companies in India. It is the travel segment of Shriram General Insurance Company Limited, which is well-known for providing stellar insurance services in the country. It provides a bunch of travel insurance policies to individuals as well as families undertaking single or multiple trips a year.

 Shriram Travel Insurance offers the insured travellers with a wide range of coverage that includes medical expenses, dental expenses, loss of passport, personal liability, loss & delay of check-in baggage, personal accident and trip cancellation & interruption amongst others. Moreover, it also allows travellers to customize their coverage as per their travel destination by choosing a policy including/ excluding the countries of the USA and Canada.  

Why Choose Shriram Travel Insurance?

Travelling around the world may seem exciting and fun. It definitely stays that way if everything goes as per your travel plan and itinerary. But if you come across any unforeseen obstruction that brings your trip to a halt, it can spoil your entire vigour for the trip. Besides, a few unfortunate incidents can turn so expensive that it might raise your trip budget exponentially. In order to stay unperturbed by any mid-journey crisis, you should buy the best travel insurance policy for your trip. Given the fact that Shriram Travel Insurance is one of the best in India, you can consider getting your travel insured by them. Following are some of the features that make travel insurance policies by Shriram stand out amongst others:

  • Sum insured available for up to USD 200,000
  • Available in three plan variants – Shri Travel, Shri Travel Plus, Shri Travel Elite
  • Both individuals and family floater plans are offered
  • Worldwide cashless hospitalization services available
  • Option to select a single trip or multi-trip travel insurance policies
  • Provides coverage for a 180-day trip duration
  • Additional 30-day medical treatment in India
  • Customized plan as per destination country
  • Quick settlement of travel insurance claims

Types of Shriram Travel Insurance Plans

Shriram Travel Insurance broadly offers four types of travel insurance plans in India. They are:

Individual Travel Insurance

As the name suggests, the Shriram Individual Travel Insurance policy is meant for individuals travelling abroad. It provides protection to an insured traveller from any unforeseen adversities that may hinder his travel plans. The Individual Travel Insurance plans cover the insured for a variety of risks including medical expenses, personal liability, travel delay, trip curtailment, loss of passport, bail bond insurance, dental treatment, personal accident and loss & delay in check-in baggage arrival.

Family Travel Insurance

Family Travel Insurance is a customized plan that protects families travelling together from any adversities faced during the trip. Under this plan, the sum insured amount is available on a family floater basis, which means it can be accessed by all insured family members during the trip. This policy provides protection against an array of risks such as dental expenses, medical expenses, loss & delay of check-in baggage, personal liability, loss of passport, personal accident and many more.

Single Trip Travel Insurance

A Single Trip Travel Insurance refers to the policy that covers the insured traveller for a single trip only. This kind of policy by Shriram Travel Insurance starts with the commencement of the trip and terminates as soon as the trip comes to an end. This travel insurance policy offers coverage similar to an Individual Travel Insurance policy such as medical expenses, repatriation of mortal remains, personal liability, trip cancellation & interruption, personal accident, emergency evacuation to a hospital, missed connection and loss of passport.

Annual Multi-Trip Travel Insurance

The Annual Multi-Trip Travel Insurance is a policy that has been tailor-made for people who travel frequently. This type of travel insurance is, mostly opted by business travellers who are required to travel frequently due to work commitments. The validity of this travel insurance policy spans for a year with a limit on per trip duration. Some of the most common coverage offered under this policy includes medical expenses, loss of check-in baggage, loss of passport, trip delay, personal accident and personal liability.

Shriram Travel Insurance: Eligibility Criteria

The eligibility criteria for different types of Shriram Travel Insurance plans vary from each other. Refer to the table given below to check the eligibility criteria:

Travel Insurance Plans

Minimum Entry Age

Individual Travel Insurance

ü 3 months to 65 years

Family Travel Insurance

ü 3 months to 65 years

ü Includes insured, spouse and up to 4 dependent children under 21 years of age

Shriram Travel Insurance Coverage

Travellers insured by Shriram Travel Insurance can get covered against the following risks during their trip:

Medical Expenses

Any medical emergencies arising out of an illness or an accidental injury leading to the insured getting hospitalized will be covered under this policy by Shriram Travel Insurance. It covers the cost of treatment, investigations, tests as well as the cost of ambulance services provided to the insured

Emergency Evacuation to the Hospital

It covers the cost of evacuating the insured traveller to a special healthcare provider or another hospital, provided the same has been prescribed by the attending doctor and is medically important for the patient’s well-being

Personal Accident Cover

In case the insured traveller meets with an accident during his trip that leads to his hospitalization, the insurer will cover the cost of his treatment. The insurer will also compensate for any bodily loss or disability of the insured due to the accident

Daily Hospital Allowance

Shriram Travel Insurance will offer a daily allowance to the insured traveller for up to 5 days if he is admitted in a hospital for more than two consecutive days. The allowance can be used to meet day-to-day expenses incurred during hospitalization

Dental Treatment

It covers any expenses incurred on the dental treatment of the insured to provide relief from acute pain. Such expenses can be easily covered under a medical travel insurance policy without causing a big dent on your travel budget.

Extended Medical Treatment in India

In case the insured traveller gets admitted at a hospital abroad and his doctor advises to continue his treatment after his return to India, then Shriram Travel Insurance will extend the policy tenure for up to 30 days and cover the cost of his treatment in India

Repatriation of Mortal Remains

If an unfortunate incident leads to the demise of the traveller, then the insurer will repatriate his mortal remains back to India and bear the transportation cost. The only way to save yourself from any such losses is by getting baggage insurance for your trip

Delay in Check-in Baggage Arrival

In case there is a delay of more than 12 hours in the delivery of check-in baggage by the scheduled airline, then the insurer will reimburse any expenses incurred on the purchase of essential items such as clothes, medicines, toiletries, etc

Total Loss of Check-in Baggage

If your check-in baggage has been misplaced by the airline with which you were travelling, then the insurance company will pay compensation for your loss

Loss of Passport

In case the insured traveller loses his passport during his international trip, then this travel insurance policy will cover the cost of obtaining a duplicate or new passport

Personal Liability

Shriram Travel Insurance will cover any personal legal liabilities of the insured traveller that may have arisen due to causing a bodily injury or property damage to a third-party person during the trip

Hijack Distress Allowance

The insurer provides a hijack distress allowance to the insured traveller in case the flight with which he is travelling gets hijacked and the journey gets disrupted for more than 24 hours

Trip Cancellation & Interruption

In case the insured traveller’s journey gets interrupted or cancelled due to any unforeseen incident such as a terrorist attack or sudden illness of a family member, then Shriram Travel Insurance will indemnify any losses incurred. This cover is not available under the Shri Travel plan variant

Financial Emergency Assistance

This policy provides emergency financial assistance to the insured traveller in case he loses all his money due to incidents like robbery, theft, mugging or dacoity

Missed Connection

Shriram Travel Insurance will reimburse any losses that the insured traveller may incur because of missing his connecting flight due to cancellation or delay in the arrival of an inward flight

Travel Delay

It reimburses any losses suffered by the insured traveller in case there is a delay of more than 12 hours in the commencement of the trip due to unforeseen incidents such as natural calamities. This cover is not available for people insured under the Shri Travel plan variant

Trip Curtailment

In case an emergency situation or incident forces the insured traveller to cut short his trip and get back to India, then Shriram Travel Insurance will reimburse any additional expenses or losses incurred. People with Shri Travel plan variant do not have access to this cover

Bail Bond Insurance

The insurer will reimburse the amount paid as bail bond by the insured traveller if he gets arrested by the local authorities during his trip. People with Shri Travel plan variant do not have this cover under their policy

Golfers Hole-in-One

Shriram Travel Insurance will reimburse any expenses incurred the insured traveller on the celebration of Golfer’s Hole-in-One. This cover is only available under the Shri Travel Elite plan variant

Shriram Travel Insurance: List of Exclusions

The following incidents and situations are not covered under Shriram Travel Insurance policies:

  • Pre-Existing Medical Treatment: It does not cover the expenses incurred on the treatment of any pre-existing illness
  • Criminal Intent: The insurer will not cover any expenses incurred due to a breach of law done with a criminal intent
  • Use of Intoxicants: Any claims arising out of use or abuse of intoxicants such as alcohol and drugs will not be covered by Shriram Travel Insurance policies
  • Self-inflicted Injuries: No claims related to any self-inflicted injuries of the insured such as suicide or an attempt to suicide will not be covered
  • Pregnancy & Related Procedures: The insurer does not cover any medical expenses incurred on pregnancy, childbirth or related procedures such as miscarriage, abortion, etc under this policy
  • HIV/ AIDS or STDs: It does not cover the cost of the treatment for HIV/ AIDS

Shriram Travel Insurance Claim

Buying a travel insurance policy is extremely important. But being aware of the claim procedure for a travel insurance policy is equally essential. You should know how can you file a claim for different types of emergencies. Travel insurance claims are of two types – Cashless Claims and Reimbursement Claims.

Cashless Claims Registration

  • Cashless claim facility is available at any of the network hospitals of Shriram Travel Insurance
  • Intimate the insurer about your hospitalization
  • Inform the hospital staff about your travel insurance policy by Shriram
  • Send a pre-authorization letter to the insurer
  • The insurer will cross-check your claim with your policy coverage
  • After verification, the insurance provider will send a pre-authorization letter
  • Get treated at the hospital and get discharged
  • Shriram Travel insurance will pay for your treatment directly to the network hospital

Reimbursement Claims

Claims related to travel and non-medical risks such as delay of check-in baggage, loss of passport, trip delay, etc can be registered as a reimbursement claim. Follow the steps given below to file a reimbursement claim with Shriram Travel Insurance:

  • Inform the insurance provider about the claim or loss within the first 24 hours
  • Fill up the travel insurance claim form
  • Submit all the documents required along with the claim form
  • Your claim will be reviewed against your policy coverage
  • On claim approval, Shriram Travel Insurance will pay you the claim amount

Documents Required for Claiming Shriram Travel Insurance

  • Travel insurance claim form
  • Medical papers along with pathology and X-ray reports as applicable
  • Statement of the attending doctor
  • Doctor’s prescription along with the suggested line of treatment
  • Police report/ Police FIR report (in case of an accident or loss)
  • Bills and cash memos of the expenses incurred
  • Disability Certificate from reputed doctor or healthcare provider (in case of permanent disability)
  • Sick Leave Certificate from the employer (in case of temporary total disability claims)
  • Death Certificate and post mortem report (in case of the death of insured traveller)
  • Original Property Irregularity Report (PIR) mentioning the names of the items lost (in case of baggage loss)
  • Baggage damage report by the airlines confirming the baggage loss
  • Copies of the boarding pass, baggage tags and the airline ticket
  • Photocopy of passport showing the entry & exit from India
  • Photocopy of the trip itinerary
  • Photocopy of trip cancellation statement by the airline/ hotel mentioning non-refundable expenses
  • USPGA Club Certificate (in case of golfer’s hole-in-one)

How to Apply for Shriram Travel Insurance?

The procedure to apply for travel insurance plan by Shriram is very simple. If you want to apply for travel insurance online, you can follow the steps given below:

  • Visit the official website of Shriram Travel Insurance
  • Go to ‘click here to buy’
  • Login as a customer
  • Enter the basic travel details
  • Check the premium amount
  • Choose the plan variant amongst Shri Travel, Shri Travel Plus and Shri Travel Elite
  • Enter your personal details
  • Pay the premium amount online at the payment gateway via net banking, debit or credit card
  • Download your policy document

Shriram Travel Insurance Renewal

Shriram Travel Insurance allows its insured travellers to renew their travel insurance policies online. You can follow the steps given below to renew your travel insurance policy:

  • Visit the official website of Shriram Travel Insurance
  • Go to ‘Quick Renewal’ on the top right corner of the page
  • Enter your existing policy number
  • Pay the premium amount online
  • Download your travel insurance policy document

Shriram Travel Insurance FAQs

Written By: PolicyBazaar
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