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
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Travel Insurance

Travel insurance acts as a shield that prevents the insured traveler from incurring huge financial losses as a result of an unforeseen incident during their journey. A travel insurance policy lends a helping hand to the insured traveler and provides necessary financial assistance at the hour of need irrespective of whether he is traveling within India or abroad. Most insurance companies provide travel insurance online which makes it more accessible and hassle-free.

How to Buy Best Travel Insurance

Given the uncertainty of life, nobody can guarantee a stress-free and uneventful trip. Even the most carefully planned journeys can get disrupted if an unfortunate incident occurs. What if you meet with an accident abroad leading to hospitalization? Or the flight you’re supposed to board gets delayed to an extent that you end up missing your connecting flight? The only way to overcome any potential losses from situations like these is to buy the best travel insurance India has available. Not only will it handle such adversities for you, but it will also indemnify any lose incurred. With travel insurance at your side, you can focus solely on having a fantastic time and making wonderful memories during your trip.

Travel insurance is a must for every traveller. From solo travellers and families to students and frequent business travellers, travel insurance protects everyone. Apart from covering the medical emergencies, overseas travel insurance also covers non-medical emergencies such as flight delay, loss of important document, personal liability, loss of checked-in baggage, trip cancellation/delay etc.  The best part is almost all insurance providers offer travel insurance online these days making it convenient for buyers to avail one.

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Key Features of Travel Insurance Policies in India

The basic purpose of travel insurance is to allow the insured to enjoy every moment of their trip by taking care of any unforeseen expenses while traveling. If you are wondering what are the qualities of the best travel insurance India has available, take a look at some of its features:

  • Emergency Hospitalization & Medical Treatment - Nobody can rule out the possibility of a medical emergency while traveling. By insuring your trip, you can stay assured as all your hospitalization and treatment expenses will be taken care of by your insurer.
  • Compensation for Flight-Related Adversities - Facing any adversities related to your flight is very common and chances of facing it increase if you are traveling abroad. Whether there has been a flight delay leading to a missed connecting flight or your check-in baggage has been lost or delayed by your airline, your travel insurer will compensate for the losses you have incurred.
  • Cashless Hospitalization Facility - A travel insurance policy also comes with cashless medical treatment facilities. If you get hospitalized or are availing medical treatment at an impaneled hospital of your insurer, you can receive cashless service in which all your medical bills will be settled directly by your insurer. You would not have to pay up the hospital for any covered treatment.
  • Customized Plans for Senior Citizens - The travel needs of senior citizens are way different from the needs of other kinds of travelers. Taking cognizance of this fact, most insurance companies offer customized trip insurance policies for elderly people who are traveling within India or abroad   
  • Available for Frequent Flyers - Buying insurance for each trip can turn out to be pretty expensive for people who travel frequently or multiple times in a year. To ensure that such frequent flyers enjoy the perks of trip insurance on each trip without spending a fortune, insurance providers offer multi-trip travel insurance policies with a year-long validity.
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Types of Travel Insurance in India

Once you have decided to insure your trip, it is important for you to understand the various types of travel insurance India offers to its travelers. Whether the insured traveler is an adult, a child or a senior citizen, different types of trip insurance policies are available to suit the needs of everyone. Take a look at the various types of travel insurance policies available in India:

On the Basis of Geographical Border:

Domestic Travel Insurance

It is an insurance policy meant for people traveling within the geographical borders of India. It protects individuals as well as families traveling within the Indian states from unforeseen financial emergencies. This policy provides coverage including medical cover, loss of baggage and personal accident cover amongst others.

International Travel Insurance

It is a type of insurance policy that covers individuals and families traveling overseas. It provides a wide range of coverage including medical expenses, dental expenses, financial cash assistance, flight delays, loss of passport, personal liability, loss or delay check-in baggage and hijack distress allowance. Several insurance providers also offer home insurance to the traveler’s house back in India as a part of this policy.

On the Basis of Type of Travelers:

Family Travel Insurance

It is an insurance policy designed especially for families traveling overseas together. This policy usually covers the policyholder, his/ her spouse and his dependent children. The sum insured under this policy is mostly available in both individual and family floater basis. All insured members of a family can avail covers including medical expenses, trip delay, loss of passport, personal liability, loss or delay of check-in baggage and many more.

Senior Citizen Travel Insurance

It is a type of insurance that has been tailor-made for elderly people. Most travel insurance companies cover travelers above the ages of 60 under this policy. It protects such travelers from unpredictable financial emergencies including medical expenses, dental expenses, repatriation of mortal remains, loss or delay of check-in baggage, trip cancellation, etc.

Student Travel Insurance

It is a student-friendly insurance policy that has been customized for Indians traveling abroad to study. The policy has an extended validity of up to 2 years. Apart from the basic coverage of international travel insurance, this policy also provides the students with covers including sponsor protection, study interruption, two-way compassionate visit and bail bond amongst others.  

Corporate Travel Insurance

It is a policy that has been designed to cater to the needs of corporates traveling for business purposes. This policy usually has a validity of up to 1 year that allows the insured traveler to undertake several trips. It includes covers such as trip delay, medical expenses, loss of baggage, missed connecting flight, etc.

Group Travel Insurance

It is a comprehensive insurance policy meant for people traveling together in groups. This policy is usually opted by people organizing tour groups, industrial training, official trips or pilgrimage trips. Many insurance providers offer this policy for people traveling within India as well as abroad. It usually provides personal accident and baggage cover. However, the exact extent of coverage depends on the insurer.

Medical Travel Insurance

It refers to the insurance that provides extensive medical coverage to insured travelers during their trip. It offers financial assistance in case a medical emergency occurs while traveling international and may lead to hospitalization. Most medical travel insurers cover hospitalization expenses, daycare expenses, dental expenses, medical evacuation expenses and cost of repatriation of mortal remains amongst others.

On the Basis of Insurance Validity

Multi-Trip Travel Insurance

It is an insurance policy meant for people who undertake multiple overseas trips in a year. This type of insurance offers the same level of benefits on every trip without the need of buying a new policy before each travel. Thus, a traveler ends up saving large sums of money by buying this insurance policy. This insurance is mostly purchased by people who travel abroad frequently for business purposes.

Single Trip Travel Insurance

It is a type of insurance that provides protection to the insured traveler only for one single journey. Its validity begins with the start of the trip and ends with the culmination of the trip. This policy provides a host of coverage that consists of medical cover as well as non-medical covers such as delay or loss of check-in baggage, personal liability, etc

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Travel Insurance: Eligibility Criteria

As there are different insurance plans to cater to different kinds of travelers, you can choose a travel plan that suits your needs the most. However, you should be eligible for the desired plan in order to be able to apply for it. Take a look at the basic eligibility criteria for different types of travel insurance policies:

Types of Travel Insurance Plans Eligibility Criteria*
Family Travel Insurance
  • Self, Spouse and up to 2 dependent children
  • Adults between the ages of 18 years to 60 years
  • Children between the ages of 6 months to 21 years
Senior Citizen Travel Insurance
  • People above 60 years of age
Student Travel Insurance
  • People between the ages of 16 years to 35 years
Group Travel Insurance
  • A minimum of 10 members to be covered

*The eligibility criteria may vary from one insurance provider to another.

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Why Should You Buy Travel Insurance Policy

In recent times, there has been a paradigm shift in the perception of traveling. People no longer wait for their summer or winter vacation to plan an outstation trip. They instead plan to undertake multiple trips in a year with an aim to explore new places. For the salaried class, traveling is an escape from their everyday stressful and monotonous life. This makes insuring your travel even more prudent to protect yourself from any unfortunate incident that has the potential to spoil your trip or cause losses. If you still weighing your options, take a look at why buying travel insurance online before your trip is a wonderful idea.

  • Emergency Medical Expenses - The cost of medical treatment abroad is not the same as in India. In fact, countries like the USA is famous for sky-rocketing medical services. But if you have insured your trip, all your medical expenses will be covered be taken care of in case of hospitalization due to an illness or accident abroad. They will also arrange an emergency evacuation to a hospital if required. Moreover, getting admitted to a network hospital can help you avail of cashless medical services.
  • Mandatory Requirement - Several countries around the world have made it mandatory to possess valid travel insurance in order to apply for a visa for that country. For instance, you need to insure your trip if you want to apply for the Schengen visa. So if you want to visit any such country, you will have to buy one of the best travel insurance policies available in India.
  • Helping Hand in Remote Areas - Insuring your trip can turn out to be useful even if you are traveling to remote parts of India or abroad. In case you need emergency medical services in areas with poor medical facilities, your travel insurer can evacuate you to the nearest city or country and help you get medical treatment on time.
  • Stress-Free Travel - An outstation trip can come with its share of uncertainties and cause a lot of stress to the travelers if an unforeseen incident occurs. But if you have your trip insured, all your emergencies can be taken care of by your insurer and you wouldn’t have to worry about a thing.
  • Dental Expenses - If you have insured your trip, your insurance policy will cover the expenses incurred on dental treatment during your trip apart from the cost of hospitalization and medical treatment.
  • Flight-related Complicacies - A lot of times you get stuck by flight or airline-related issues that shake your travel itinerary. Whether there has been a flight delay, check-in baggage loss/ delay, missed connecting flight or flight hijack, you will be adequately compensated if you have insured your trip.
  • Protects the Entire Family - An insurance for your trip not only offers protection to you but to each member of your family while traveling. Most insurance providers allow you to choose the sum insured on individual and family floater basis.
  • Replacement of Lost or Stolen Baggage - In case your baggage or your belongings get stolen or lost during your overseas trip, your travel insurer will compensate you for your loss.  
  • Pays for Personal Liability - In case an unfortunate incident abroad results in a legal liability being imposed on you, a travel insurance policy can come to your rescue. Not only will it pay off your liabilities but it will also cover any legal court expenses that you may incur.
  • Emergency Cash Assistance - In case you get robbed of your money during your stay abroad, your travel insurer will come to your rescue and arrange emergency cash for you.
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How to Buy the Best Travel Insurance Online?

Travel insurance is your go-to friend if you face any adversity while traveling abroad. This makes picking out the best travel insurance online an extremely important decision to make. You need to choose an insurance policy that provides you with maximum coverage against the risks that you may face during your trip overseas. If you are buying travel insurance online, you can compare them against the coverage provided by different insurance companies. Take a look at some of the coverage provided by different travel insurers in India:

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Best Travel Insurance in India by Top Travel Insurance Companies

Insurance Providers Eligibility Criteria Pre-Policy Health Check-up Policy Inclusions Policy Exclusions
Apollo Munich Travel Insurance 6 months to 70 years Not required
  • Medical expenses
  • Loss or delay of check-in baggage
  • Loss of passport
  • Personal accident cover
  • Hijack distress allowance
  • Traveling to primarily receive medical treatment
  • Claim arising due to nuclear war or radioactive contamination
  • Claims related to pregnancy, childbirth, abortion  or miscarriage
  • Claims arising due to civil war, invasion, revolution
  • Claims arising due to riots or terrorism
  • Claims arising due to participation in adventure sports including scuba diving, mountaineering, etc.
Bajaj Allianz Travel Insurance Up to 75 years Not required
  • Medical expenses
  • Loss or delay of check-in baggage
  • Trip cancellation or delay
  • Emergency cash advance
  • Claims due to use or abuse of intoxicants including alcohol
  • Treatment of self-inflicted injuries including suicide or attempt to suicide
  • Treatment expenses of mental disorder
  • Alternative treatment expenses
  • Claims related to pregnancy, childbirth, abortion  or miscarriage
Bharti AXA Travel Insurance 3 months to 60 years Not required
  • Medical expenses
  • Emergency medical evacuation
  • Personal accident cover
  • Loss or delay of check-in baggage
  • Loss of passport
  • Pre-existing diseases/ conditions
  • Treatment expenses of cosmetic surgery
  • Claims arising due to participation in adventure sports
  • Passport loss intimated after 24 hours of its occurrence
  • Partial loss of any item inside the check-in baggage
Cholamandalam Travel Insurance 3 months to 80 years,61 to 70 years (senior citizens) For applicants above 65 years
  • Medical expenses
  • Loss or delay of check-in baggage
  • Loss of passport
  • Hijack distress allowance
  • Pre-existing diseases/ conditions
  • Claims arising due to radioactive, ionizing or hazardous activities
  • Claims arising due to participation in adventure sports
Future Generali Travel Insurance 6 months to 70 years,71 to 80 years (senior citizens) Not required
  • Medical expenses
  • Loss or delay of check-in baggage
  • Loss of passport
  • Personal accident cover
  • Pre-existing diseases/ conditions
  • Claims due to use or abuse of intoxicants including alcohol
  • Treatment of self-inflicted injuries including suicide or attempt to suicide
  • Claims related to pregnancy, childbirth, abortion  or miscarriage
HDFC ERGO Travel Insurance 6 months to 70 years For applicants above 70 years
  • Medical expenses
  • Loss or delay of check-in baggage
  • Loss of passport
  • Personal accident cover
  • Dental treatment expenses
  • Daily hospital cash
  • Flight delay
  • Hijack distress allowance
  • Claims due to use or abuse of intoxicants including alcohol
  • Treatment of self-inflicted injuries including suicide or attempt to suicide
  • Treatment expenses of mental disorder
  • Alternative treatment expenses
  • Claims related to pregnancy, childbirth, abortion  or miscarriage
IFFCO Tokio Travel Insurance - For applicants above 70 years
  • Medical expenses
  • Loss or delay of check-in baggage
  • Loss of passport
  • Personal accident cover
  • Dental treatment expenses
  • Daily hospital cash
  • Flight delay
  • Hijack distress allowance
  • Personal liability cover
  • Pre-existing diseases/ conditions
  • Claims arising due to participation in the military, air force or naval activities
  • Claims arising due to riots or terrorism
  • Claims arising due to radioactive, ionizing or hazardous activities
Religare Travel Insurance Up to 70 years Not required
  • Medical expenses
  • Loss or delay of check-in baggage
  • Personal liability cover
  • Double sum insured in case of hospitalization due to accidental injuries
  • Accidental death (common carrier)
  • Emergency medical evacuation
  • Repatriation of mortal remains
  • Pre-existing diseases after 2 years
  • Loss of personal documents
  • Trip cancellation or delay
  • Trip interruption
  • Compassionate visit
  • Flight ticket upgrade to business class
  • A waiting period of 30 days for all hospitalization claims except accidental injuries
  • Claims arising due to participation in adventure sports
  • Claims related to pregnancy, childbirth, abortion  or miscarriage
  • Claims arising due to civil war, invasion, revolution
  • Treatment of self-inflicted injuries including suicide or attempt to suicide
  • A waiting period of 2 years for specific illnesses
  • Dental treatment/ surgery expenses
  • Cost of contact lenses, spectacles or hearing aids
SBI Travel Insurance 6 months to 70 years Not required
  • Medical expenses
  • Loss or delay of check-in baggage
  • Loss of passport
  • Personal accident cover
  • Hijack distress allowance
  • Personal liability cover
  • Claims arising due to participation in the military, air force or naval activities
  • Claims arising due to civil war, invasion, revolution
  • Claims arising due to participation in adventure sports
  • Claims arising due to involvement in criminal activities
TATA AIG Travel Insurance Up to 70 years Not required
  • Medical expenses
  • Loss or delay of check-in baggage
  • Loss of passport
  • Personal accident cover
  • Hijack distress allowance
  • Personal liability cover
  • Trip delay or cancellation
  • Traveling to primarily receive medical treatment
  • Traveling against doctor’s advice
  • Pre-existing diseases/ conditions
  • Treatment of self-inflicted injuries including suicide or attempt to suicide
  • Treatment expenses of mental disorder, depression
  • Claims arising due to radioactive, ionizing or hazardous activities
  • Claims arising due to civil war, invasion, revolution
  • Treatment of STD
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Travel Insurance Coverage

Here are some of the most common coverage that you may find in the best travel insurance India has available:

  • Medical Expenses - All trip insurance policies cover any medical expenses that you may incur while traveling. It includes hospitalization expenses as well as daycare expenses that may arise due to the treatment of an illness or accidental injury abroad.
  • Emergency Medical Evacuation - In case there is a need to evacuate you to the nearest hospital or medical provider to receive timely treatment, your travel insurer will arrange it for you.
  • Repatriation of Mortal Remains - If an unforeseen incident abroad leads to the death of the insured, your travel insurer will cover the cost of arranging the funeral as well as transporting the mortal remains of the insured back to India.
  • Emergency Dental Treatment - All expenses arising out of the dental treatment of the insured to relieve acute pain is covered under a travel insurance policy.
  • Daily Hospital Cash - In case you get hospitalized for the treatment of an illness or accidental injury, your travel insurer will give you a lump sum amount to cover day-to-day hospitalization expenses.
  • Accidental Death & Disability - In case an accident leads to the death or permanent total disability of the insured, compensation will be paid to the policyholder or his family for the loss.
  • Loss of Check-in Baggage - If the airline with which you were traveling abroad loses your check-in baggage, then you will be entitled to compensation by your insurer to cover the losses that you have incurred.
  • Delay in Check-in Baggage Arrival - If your check-in baggage gets misplaced or delayed by the airline with which you were traveling abroad, your travel insurer will reimburse any emergency expenses incurred on personal items such as clothes, toiletries, etc.
  • Missed Connection Flight - Flight delays due to weather conditions or other technical reasons are a regular affair. If a delay in the arrival of an inbound flight results in you missing your connecting flight to your ultimate travel destination, trip insurance comes to your rescue. All your losses and expenses will be covered by your insurer if you have insured your trip.
  • Trip Cancellation & Curtailment- A lot of times people end up canceling or postponing their trip days before the departure due to an unforeseen emergency. In such situations, you may suffer quite a loss as the bookings for flights and hotels would have already been made by then. All such losses get covered if you have bought the best travel insurance India has available.
  • Loss of Passport - In case you lose your passport during your trip abroad, your travel insurer will cover the cost of getting a duplicate or new passport issued.
  • Personal Liability - An unfortunate incident can result in you causing damage or bodily injury to a third party person or property. But if you have insured your trip, all your legal liabilities during your trip abroad will be paid off by your insurer.
  • Hijack Distress Allowance - In case the flight in which you are traveling gets hijacked, you will be entitled to a distress allowance if you had insured your trip.
  • Emergency Cash Advance - If you get robbed of your money during your trip abroad, your travel insurer will provide you with emergency cash to take care of your emergency expenses unless you receive monetary help from your friends or family in India.
  • Baggage Loss - In case your baggage gets lost during your trip abroad, your travel insurer will cover all the losses and expenses related to purchasing emergency items including clothes and personal items.
  • Compassionate Visit - In case the insured student gets hospitalized due to an illness or accidental injury abroad, your travel insurer will cover the transportation and accommodation for an immediate family member. The cost of the flight tickets for the insured student will be covered under the policy if he needs to travel back to India due to the hospitalization of an immediate family member.
  • Study Interruption - If a sudden hospitalization due to an illness or accidental injury results in you missing your classes for more than a month, then your travel insurer will reimburse the tuition fee prepaid to the University/ School for that period.
  • Sponsor Protection - In case the sponsor of your education abroad dies or suffers from permanent total disability, your travel insurance policy will reimburse the tuition fees for the remaining months.
  • Bail Bond - In case the insured student gets arrested by the local authorities or police, your travel insurer will arrange for your bail amount.

Omitted/ Optional Covers in Most Schengen Travel Insurance Policies

Claims arising out of the following things are either optional or omitted in most Schengen Travel Insurance policies available in India:

  • Pre-existing ailments including asthma, cardiac problems, diabetes and hypertension
  • Tailor-made riders can be opted by paying an extra premium amount
  • Adventurous sports which pose a risk to life including water sports like scuba diving, mountaineering, fast biking, etc
  • Traveling to countries that have been listed as high-risk nations due to natural calamities, war, and terrorist activities, etc
  • Stern onset of pre-existing diseases even though the doctor assures it can stay under control
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Exclusions of Travel Insurance

Most trip insurance policies do not cover any claims arising out of the following reasons:

  • Liquor, Drugs - Any claims arising due to dependency on intoxicants including alcohol or drugs will not be covered by your travel insurer. Even treatment expenses for injuries or illnesses caused while the insured was under the influence of alcohol will not be covered.
  • War, Civil War or Terrorism - A travel insurer will not cover any claims arising due to war-like situations including a civil war in the country where the insured is visiting. It also does not cover any claims arising due to terrorist attacks in the destination country or city.
  • HIV AIDS - Treatment expenses for HIV AIDS is usually not covered by most travel insurer in India.
  • Alternative treatment - Most travel insurance online does not cover alternative treatment expenses including Ayurveda and homeopathy.
  • Cosmetic Treatment -Any claims arising out of the cosmetic surgery of the insured will not be covered by your travel insurer.
  • Adventure Sports - Many travel insurers do not cover any claims arising out of the insured’s participation in adventure sports activities including scuba diving, mountaineering, bike race, etc.
  • Suicide or Self-Inflicted Injury - Any claims arising out of an injury or treatment related to a self-inflicted injury, including suicide or attempt to suicide, will not be covered by your travel insurer.
  • Pre-existing Diseases - Even the best travel insurance India has available does not cover pre-existing diseases of the insured traveler.
  • Loss of Passport When left Unattended - An insurance provider will not cover the expenses incurred in obtaining a new or duplicate passport if the insured loses his original passport abroad because of leaving it unattended.
  • Traveling Against Medical Advice - If the insured is traveling outstation or abroad against the medical advice of the doctor, then any medical treatment expenses incurred while traveling will not be covered by the travel insurer.

Additional Coveage of Travel Insurance Plan

Many trip insurance policies offer add-on benefits if you opt for additional coverage. These benefits can be chosen for an extra precautionary layer of protection. These additional covers can be obtained by purchasing the best travel insurance online on payment of an extra premium amount to the insurance company.

Here are a few optional/ add-on coverage can be purchased at the time of insuring your trip:

  • High-risk/adventure sports activities
  • Coverage for travel to war-prone destinations
  • Pre-existing illnesses/ conditions
  • Enhanced Accidental Death and Dismemberment (AD&D) cover
  • Third-party supplier insolvency
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How to Calculate Travel Insurance Policy Premium Online?

Travel insurance is an extremely important travel document if you wish to stay protected from any eventualities during your domestic or international trip. Every traveler should opt for a policy that provides maximum coverage for the least possible premium.  But how will a traveler find out which insurance provider and plan is offering the minimum premium?

In order to find out the premium payable for a particular trip insurance plan by an insurance provider, you would have to use a travel insurance premium calculator. A premium calculator is an internet-based tool that gives you an estimate of the premium cost for a particular insurance plan. Make sure to use this calculator before you buy travel insurance online.

An insurance premium calculator will give you a premium estimate if you enter the required details including the sum insured amount, age, destination city/ country, trip frequency, travel dates, etc. While entering the destination details, select specific countries or areas like Schengen, Asia, USA and Canada, etc as per your travel destination. You might have to enter your travel dates and whether you need a single trip of multi-trip policy. You will also be required to enter the number of travelers as well as the age of all the travelers.

After you have entered all the details, the insurance premium calculator will give you an estimate premium amount for your trip. Moreover, this premium calculator also comes in handy to compare different trip insurance plans offered by various insurance providers.

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Claim Procedure for Travel Insurance

Buying the best travel insurance online is not the only responsibility of the traveler. He/ she should also be aware of the claim procedure for filing a timely insurance claim. Moreover, you should be aware of the various coverage provided by your travel insurer.

It is important for all travelers to carry the original travel insurance policy document along with multiple photocopies while traveling. The photocopies come in handy in case the original policy document gets lost or destroyed. In fact, the insured must also carry the policy document in a soft copy and store in his email, phone, laptop or carry it in a pen drive.

Follow the steps given below to register a trip insurance claim in case a travel emergency occurs:

  • Inform the insurer or the travel assistance provider of the insured via phone or email about your claim. The contact details of the insurer are always mentioned in the policy document
  • Ask about the various documents that you need to submit in support of your claim. The list of documents to be submitted varies as per the type of claim
  • Send all the required documents to the insurer via email, fax or by post
  • Once you have submitted the documents, your claim will be verified against the coverage provided by your trip insurance policy

Things to Remember Before Choosing a Travel Insurance Plan

An unfortunate incident may occur at any point in your travel and a wise traveler keeps his trip insured by buying the best travel insurance online. In order to make an informed choice, you need to keep the following things in mind while buying an insurance policy for your trip:

  • Purpose of the Trip - Keep the purpose of your travel in mind while choosingan insurance policy for your trip to receive maximum coverage. For instance, if you traveling for studies, you should opt for student travel insurance and if you plan to engage in adventure sports, you should select a plan that covers adventure sports activities.
  • Traveler’s Age - Almost all travel insurers provide insurance plans that suit the needs of travelers of different ages. For instance, senior citizen travel insurance has been custom-made to protect the elderly while traveling. You should select a plan according to the age of all travelers.
  • Sum Insured Amount - The sum insured amount is directly proportional to the premium cost. The trip insurance plans with higher sum insured draw higher premiums. However, you must choose a sum insured amount that adequately covers your needs in case of an unforeseen incident.
  • Coverage Offered - Compare and analyze the different coverage provided by various travel insurers while selecting a plan. Choose a plan that protects you from most of the risks that you may face during your trip abroad.
  • Destination - The destination of your trip should definitely be taken into consideration while narrowing down an insurance plan for your trip. many insurance providers offer destination-specific plans such as Schengen travel insurance. Choose a plan that suits your destination.
  • Trip Duration - The duration of your trip plays a major role in estimating your premium amount. The longer the travel, the higher the insurance premium will get. Choose a plan that charges a lesser premium for the total duration of your trip.
  • Claim Settlement Ratio of the Insured - Before buying an insurance policy for your trip, you should check the claim settlement ratio of the different insurance companies. A company with a higher claim settlement ratio has settled more claims and thus should be preferred while buying travel insurance online.
  • Credibility of the Insurance Provider - It is important to research about the credibility and goodwill of the insurance company at the time of selecting an insurance policy for your trip. A company that enjoys goodwill in the market can be considered reliable and will settle the claims on time.
  • Affordability - The best policy is the one that provides the maximum coverage at minimum cost. Make sure to choose a policy that is economical but provides all crucial covers.
  • Hassle-free Claim Procedure - While choosing an insurance policy for your trip, find out about the claim procedures of different plans. A policy with a complicated claim procedure will be more of a hassle at the time of settling a claim. You should choose the insurer with the quickest and the most convenient claim process.
  • Solvency Ratio - You should also check the solvency ratio of an insurance provider before buying an insurance policy. A company with a goodsolvency ratio reflects its sound financial standing and has lesser chances of going bankrupt.
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Compare the Best Travel Insurance Online With Policybazaar.com

While buying travel insurance online, it is important to compare the different insurance policies offered by the different insurance providers. Policybazaar.com is one place where you can compare different travel insurance policies offered by various insurers. It allows you to check the coverage offered by different insurance companies and the premium charged by them. You can also check which cover is omitted by one insurer and is provided by another insurance provider. Since PolicyBazaar is available online, you can make a comparison anywhere and at any time of the day.

Take a look at some of the benefits of comparing travel insurance online at policybazaar.com:

  • Compare the various trip insurance policies offered by different insurers
  • Analyze and find a plan that provides you maximum coverage
  • Side-by-side comparison of inclusions and exclusions provided by different travel insurers
  • Helps to save time by comparing travel insurance policies for several insurers at one place
  • Get quotes on premium from different insurers before finalizing a policy
  • Helps to save money by choosing the most cost-effective policy
  • Allows you to buy an insurance policy for your trip online in an effortless and secure manner

Latest Travel Insurance - News

  • Thailand likely to make Travel Insurance Compulsory

    If you’re planning to travel to Thailand in the future, you might need to purchase a special travel insurance plan once you land in the country. According to reports, Thailand is likely to make travel insurance mandatory for visitors to the country. This would be implemented most likely later in 2019. All the earnings and profits from the plan will go to the Tourism Promotion Fund of Thailand that will be used to cover payments in the event of a claim. However, this would be implemented after getting approval from the Ministry of Tourism and Sports. You can purchase this policy at the immigration office at the Thailand airports that would offer a cover of up to 1 M baht (Rs. 23,50,850) in the event of death.
Insurer Categories covered Special Features Exceptions
Apollo Munich Travel Insurance
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Emergency cash advance
  • Loss of checked in baggage
  • Trip cancellation and curtailment
  • Coverage of personal liability
  • No specific European/Schengen plan
  • Pre-existing diseases are not covered
Bajaj Allianz Travel Insurance
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Student
  • Senior Citizen
  • Emergency cash advance
  • Loss of checked in baggage
  • Home burglary covered
  • 2-way compassionate visit
  • Coverage of bail bond
  • Pre-existing diseases are not covered
Bharti Axa Travel Insurance
  • Individual
  • Family Floater
  • Annual Multi Trip
  • 2-way compassionate visit
  • Specific Schengen plan
  • Emergency cash advance
  • Pre-existing diseases are not covered
Future Generali Travel Insurance
  • Individual
  • Annual Multi Trip
  • Emergency cash advance
  • Child escort benefit
  • Trip cancellation and curtailment
  • Coverage of personal liability
  • Pre-existing diseases are not covered
HDFC Ergo Travel Insurance
  • Individual
  • Family Floater
  • Student
  • Annual Multi Trip
  • Loss of checked in baggage
  • Flight delay benefits
  • Study interruption (Student)
  • Treatment of mental and nervous disorders (Student)
  • Pre-existing diseases are not covered
Iffco Tokio Travel Insurance
  • Individual
  • Emergency cash advance
  • Pre-existing diseases are not covered
New India Assurance Travel Insurance
  • Individual
  • Student
  • Repatriation of mortal remains
  • Pre-existing diseases are not covered
Reliance Travel Insurance
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Student
  • Senior Citizen
  • Emergency cash advance
  • Loss of checked in baggage
  • Home burglary covered
  • 2-way compassionate visit
  • Coverage of bail bond
 
Religare Travel Insurance
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Student
  • Senior Citizen
  • Emergency cash advance
  • Loss of checked in baggage
  • 2-way compassionate visit
  • Coverage of Pre-existing diseases
  • Coverage of bail bond
 
Royal Sundaram Travel Insurance
  • Individual
  • Annual Multi Trip
  • Compassionate visit
 
Star Health Travel Insurance
  • Individual
  • Flight delay and missed flight benefit
  • Pre-existing diseases are not covered
TATA AIG Travel Insurance
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Student
  • Senior Citizen
  • Emergency cash advance
  • Loss of checked in baggage
  • 2-way compassionate visit
  • Home burglary coverage
  • Coverage of bail bond
 
Universal Sompo Travel Insurance
  • Individual
  • Flight delay and missed flight benefit
  • Pre-existing diseases are not covered
Q:

Who are the best travel insurance companies?

Ans:

Some of the best travel insurance companies in India are:

1. Apollo Munich Travel Insurance

2. Religare Travel Insurance

3. TATA AIG Travel Insurance

4. Reliance Travel Insurance

5. Bharti AXA Travel Insurance

6. HDFC ERGO Travel Insurance

7. Bajaj Allianz Travel Insurance

8.Royal Sundaram Travel Insurance

9. SBI Travel Insurance

Q:

What is covered by travel insurance?

Ans:

Travel insurance is an insurance policy that covers the insured traveler against any unforeseen incidents during the trip. It includes medical covers including medical expenses, dental expenses, medical evacuation, personal accident cover, etc, travel-related covers including flight delay, loss or delay of check-in baggage, missed connection flight, trip cancellation & curtailment, hijack distress allowance, etc as well as personal liability, loss of passport and many more. Trip insurance for students also covers study interruption, sponsor protection, compassionate visit and bail bond amongst others.

Q:

How much does a travel insurance cost?

Ans:

The cost of insuring your trip or the rate of an insurance premium depends on several factors including the travel destination, age of the traveler, coverage, type of insurance, sum insured, trip duration, etc. You can know the estimated cost by using an online insurance premium calculator. Only when you have entered all the details, you can get an estimated cost of the premium for the insurance policy.

Q:

When should you buy travel insurance?

Ans:

Most insurance providers allow travelers to buy an insurance policy for their trip until the date of travel. Ideally, you should buy an insurance policy as soon as possible. This is to ensure that you are adequately compensated in case of cancellation or postponement of the trip.

Q:

How long does the insurance cover start?

Ans:

For a single trip- Insurance cover starts the moment you board the flight, bus or train.

For multi-trip- This insurance plan is designed for frequent travellers. It offers coverage for multiple trips taken by an individual in a period of one year. Coverage per trip can be 30 or 60 days.

Q:

What's the best travel insurance?

Ans:

The best travel insurance is the one that offers the maximum coverage for a minimum rate of premium.  You can compare the various policies offered by different insurance providers online at websites like policybazaar.com before finalizing an insurance policy.

Q:

Can you purchase travel insurance after booking?

Ans:

Yes. You can buy insurance for your trip after booking your flight tickets. In fact, most insurance companies allow you to insure your trip until the day of your travel. However, it is advised to buy insurance for your trip as soon as possible.  

Q:

What level of travel insurance do I need?

Ans:

At the time of buying insurance for your travel, you need to be careful while deciding the level of insurance cover. If you get yourself under-covered, you may have to pay from your pockets during claim settlement. If you are over-covered, you may have to pay a higher premium. Therefore, you should opt for a coverage level with a sum insured that adequately covers most of your needs in case of an emergency.

Q:

What should I look for in travel insurance?

Ans:

Before you buy an insurance policy for your trip, carefully go through the various coverage offered by the insurance company. You can compare the coverage offered by different insurers online and get premium quotes to make an informed decision. Besides, you should also check the claim settlement ratio and the solvency ratio of the insurance provider to know how likely is the insurer to pay the claim amount.

Q:

Is travel insurance worth the cost?

Ans:

The main aim of insuring your trip is to protect yourself from any financial losses in case an untoward incident occurs during your trip. Your travel insurer lends you a helping hand and takes care of all your emergency needs including medical and non-medical expenses including personal liability, flight delay, baggage loss, etc. If you travel without getting your trip insured, you can end up paying way more than the premium amount.

Q:

How do I choose travel insurance?

Ans:

At the time of choosing an insurance policy for your trip, you need to analyze the various coverage offered by the insurer. Compare the coverage offered by different insurers online and get the estimated premium quotes for different policies. You should select a policy that provides you with maximum coverage for a minimum rate of premium.

Q:

Can you fly without travel insurance?

Ans:

Yes, you can fly to another country without insuring your trip, provided it is not a mandatory required in the destination country. For instance, it is compulsory to possess a valid travel insurance policy in order to obtain a Schengen visa to enter the Schengen area.  

Q:

Should I purchase flight insurance?

Ans:

No. You should avoid buying flight insurance as it would cost about one-tenth of your flight cost and will provide lesser coverage in case of any adversities related to your air travel. You should instead opt for trip insurance that would give you a wider range of coverage for the entire duration of your trip.

Q:

Does travel insurance cover me if I cancel my flight?

Ans:

Yes. Your travel insurer will cover any expenses or losses incurred on flight cancelation before the date of departure. However, you will have to give a valid reason for the emergency cancelation of your flight tickets.

Q:

Does travel insurance cover non-refundable airline tickets?

Ans:

Yes. A trip insurance policy covers cancellation of non-refundable flight tickets. The expenses or losses incurred on cancellation of flight will be refunded by your travel insurer.

Q:

What is a covered reason for trip cancellation?

Ans:

Some of the most common reasons for trip cancellation that are accepted by the travel insurer are:

1. Injury or illness of the insured, an immediate family member or business partner

2. Occurrence of natural calamity or terrorism at the destination country

3. Bankruptcy of the travel provider

Travel Insurance Reviews
Ganesh
Nellore
September 03, 2019
Smooth and easy process

The process of purchasing the travel insurance was smooth and I got the best deal at Policybazaar. Have not made any claim yet so not sure about that.

Raghav
Mehmdabad
September 01, 2019
Best insurance platform ever

The process and information was amazing as always. I get all my insurances from Policybazaar. It is smooth, easy, value for money and they have the best claim assistance.

Shivi
Rayachoti
August 31, 2019
Travel insurance is a must

My little investment on travel insurance saved me from the losses I would have suffered due to loss of my luggage. I would suggest all international travellers to get their trip insured without fail. Thank you, Policybazaar.

Mohit
Raghunathganj
August 29, 2019
Best customer service

The executive of Policybazaar was very well informed and explained the complete pros and cons of various insurers and it eventually helped me choose the best one as per my requirements.

Mauli
Zirakpur
August 28, 2019
Saved thousands of bucks

The travel insurance came like a wonder to me. I had to cancel my trip last minute but did not lose on it. Thank you Policybazaar. It was great using the services.

Aman
Konbir_noatoli
August 26, 2019
Best claim settlement

The claim process was easy and quick. Although it feels very bad to lose your luggage in a foreign land, it was well nullified by Policybazaar and I got the claim.

Meera
Nimach
August 09, 2019
Wonderful experience

I got exactly what I wanted. The system has beautifully been designed to smoothly select the place and dates of visit to be insured. Thank you Policybazaar.

Minakshi
Nogorpara
August 06, 2019
All the plans under one roof

I got my travel insurance from Policybazaar. I was able to check and compare the inclusions and exclusions of various insurers, sitting at home.

Viraj
Agartala
August 01, 2019
Customer support are actually supporters

The customer support of policybazaar is fantabulous. They actually know the needs of the customer and without wasting any time they gave me the best fit plan in such an affordable price. Thanks policybazaar.

Sushil
Palaghat
July 26, 2019
Better options available in the website

I have been to the website of policybazaar and got the best insurance. Actually I was happy to get the options related to different plans. So I want to recommend people to for policybazaar. Even they are too helpful.

Ananta
Zotlang
July 24, 2019
Relieved and feel happy

I feel that one should have the travel cover insurance and I am relieved from all tensions. My trip was awesome and it was a good assistance which was given by policybazaar during the purchasing of Travel Insurance.

Amulya
Tezpur
July 20, 2019
Quick on everything

While on the trip of Europe I was injured badly and I contacted my policybazaar team they immediately assisted me and help me in getting the best hospital and the claim was done on immediate basis. Kudos to team.

Mahesh
Tuljapur
July 12, 2019
Trustworthy company

It really feels good that you can rely on some good company for your safety and security and that too company is taking care of yours. I can rely on them related to my trip safety and security. Now I can travel world easily. Thank you team.

Prachi
Supe_baramati
July 10, 2019
Claim process was quite easy

While going for a claim, I would recommend you go to policybazaar. As I purchased the travel insurance and due to some problem I have been rescued by them only. I got an easy claim from them too. Thank you folks!

Suresh
Nagaur
July 08, 2019
A sour good experience

I purchased the travel insurance from policybazaar and it was a good experience to get best and affordable insurance from them. I would suggest people to go for policybazaar for purchasing of insurance.

Venketesh
Tirupur
July 05, 2019
Safety and security

I recently enjoyed my trip in Europe and had insured myself with the travel insurance of policybazaar. Although it was not required to use the policy but I was feeling safe and happy that I am secured.

Shashank
Suri
June 30, 2019
Better than other company

Earlier I was using some other company’s insurance but it was not at all good. But somebody told me that the whole process of policybazaar from start to end. Everything is good. They actually take good care of their customers.

Himesh
Godavari
June 28, 2019
Affordable price

I got my insurance done from policybazaar and it was travel insurance. The prices and the benefits which was provided by them in that price was good.

Karan
Cumbum
October 20, 2016
Travel with safety

While travelling with my whole family, i have got a problem lost a luggage but thank god i have purchased bajaj allianz travel insurance plan. The company reimburse my loss instantly. Service is fast and the executives are really very responsive.

Nishant
Ludhiana
October 05, 2016
Travel Insurance Policy

While on my last vacation I have lost my baggage. The whole loss is recovered and the amount is reimbursed by my travel insurance policy which is very low in budget and i took it from bajaj allianz general insurance. I'm very happy with your services.

Pramod
Chandigarh
September 28, 2016
Secure Trip

My last trip is so good, actually a buy the travel insurance plan from bajaj allianz general insurance. Policy covers maximum expenditure and the lost baggage and belongings are fully reimbursable by the company. The updates are seen on the website of the insurance company.

Saurabh
Attur
August 26, 2016
Wonderful Policy

I purchased travel insurance policy from bajaj allianz general insurance company. Premiums are less but the returns are much more. This plan i found on internet after long time searching. The all information and details are mailed to me regularly on my email address.

Tanmay
Gautam_buddha_nagar
August 23, 2016
Travel Safety

The travel insurance given by the bajaj allianz general insurance is very good insurance policy. The policy coverage is high and the claims are good. The luggage lost is reimbursable and many other benefits are too.

Mayank
Nirmal
July 27, 2016
Superb Insurance

The travel insurance policy i have taken for my trip is from bajaj allianz general insurance. The policy is good and services is perfectly served. Good policy coverage and premiums are less. The luggage lost or any other valuable belonging is reimbursed by the insurance policy.

Jitender
Bhadravathi
July 21, 2016
Allianz travel plan

I purchase travel insurance from bajaj general insurance in very low premiums and the policy is great. Service is fantastic but the refund of ticket amount is not possible. The lost belongings are reimbursed by the insurance plan.

Kruti
Jabalpur
July 01, 2016
Good

Got travel insurance plan for my safe flight and journey. Policy cover maximum scenarios and reimbursed the lost of the belongings and many valuable items. Service is really very nice with good responses from your side. Just the refund of money of the tickets is not possible. Please do improve this.

Divanshu
Ajmer
June 24, 2016
Travel Insurance Plan

My travel insurance plan is very good insurance policy which come's in low premium. The policy provide's reimbursement for luggage lost, even the medical care also pre-inbuilt in the plan. The service facilitate by the members of the company is very nice. Updates of the insurance policy is mailed to me regularly.

Bhupesh
Bangalore
May 27, 2016
Fine

The plan is normal one, Service is okay. Policy coverage is high and premium is low. Bajaj allianz travel insurance plan is the policy. Luggage lost is inbuilt in the policy which is recoverable. The executives and staff member behave well but the recovery of ticket cancellations is not possible.

Tarun
Palani
May 27, 2016
Good Service

I have travel insurance plan which I buy from bajaj allianz general insurance. The policy coverage is high and the claims are even better. Policy premium is low and paybacks are high. Luggage lost and medical issues are inbuilt in the plan. Good policy, I like the plan.

Nakul
Kanpur
May 27, 2016
Quality Investment

I purchase bajaj allianz travel insurance plan. The policy coverage is high ~90% and the claims are high. Service facilitate by company members and staff is fast and on time. Baggage loss is recoverable and medical issues are inbuilt in the plan. I like the policy plan.

Karan
Malapuram
May 27, 2016
High Returns

High coverage and premium is low. Yes, bajaj allianz travel insurance plan provides many more benefits like baggage loss recovery. Medical conditions are inbuilt in the plan. Service facilitate by the executives and staff members is fast and on time.

Jayant
Zahirabad
May 27, 2016
Awesome Plan

Recently buy bajaj allianz travel insurance plan which facilitate many benefits like low premium, Policy coverage is high and claims are even better. Luggage lost is recoverable. The ticket cancellation is possible but the refund of it is not. Good investment which makes trip good.

Mankaran
Dwarka
May 27, 2016
Responsive Faculty

The travel insurance plan is good and insurer is bajaj allianz general insurance. Policy coverage is high ~88% and the premium is low. Claims are high and easy to get due to fast service provided by the executives and staff members. Good investment which secure the travelling.

Vinay
Rohtak
May 27, 2016
Superb Plan

Good policy plan that have all the coverage which customer needs. Bajaj allianz travel insurance plan facilitate fastest service which includes ambulance service both pick and drop service for free of cost. Premiums are low and paybacks are high. Luggage lost and medical problems is inbuilt in it.

Harish
Chennai
May 27, 2016
Fantastic Plan

Bajaj allianz travel insurance plan is fantastic. The policy coverage is high and the claims are good. Premium is low and payback amount is high like the luggage lost is recoverable and medical problems or emergency is included in the plan. Good service facilitate by the executives which is really very fast and on time.

Gaurav
Nilgiris
May 27, 2016
Bad Policy

The policy I have is not what I expected. Policy coverage is low ~67% and the claims are not good. Service is slow and claiming is not easy. Ticket refund or cancellation is not gonna give money back. Dental medical conditions is not covered in the plan. Not satisfied.

Devesh
Allahabad
May 27, 2016
Fantastic

Finally found the good policy which is bajaj allianz travel insurance plan. The policy coverage is high and the claims are good. The service facilitate by the executives and staff members is good. The medical conditions are included in the plan. The luggage lost is recoverable. Good investment which save the travelling.

Sumeet
Krishnagiri
May 27, 2016
Fair Policy

I purchase travel insurance plan from bajaj allianz general insurance. The plan is good which have good benefits like luggage lost is recoverable and medical conditions are inbuilt in the policy. The ticket refund is not possible and the dental medical cconditions are not included.

Akash
Navi_mumbai
May 27, 2016
Average

Bajaj allianz travel insurance plan I have taken few month ago and the policy is good which provide me various benefits. The premium is low and payback amount is high. The service provided by the executives is nice and on time. Good future investment which secure the travelling. The luggage lost is covered in the plan.

Rohit
Chaksu
May 27, 2016
Trustworthy

I have bajaj allianz travel insurance plan. The policy coverage is high and the claims are even better. But the refunds of ticket return or cancellation is not possible. Service is fast and on time which is facilitate by the executives and staff members. Manageable for me.

Tanmay
Mahabaleswar
May 27, 2016
Best Plan

After long internet searching, got great policy i.e., Bajaj allianz travel insurance plan. The policy provide many benefits like low premium, luggage lost recovery, medical issues, policy coverage is high ~87%. Claims are easily sanctioned due to fast service facilitate by the executives and staff members.

Yajan
Ambala
May 27, 2016
Coverage Is High

The bajaj allianz travel insurance plan is good which I took few months ago. The service is good, fast and on time. Behaviour of the executives and staff is very nice with calm nature. Policy coverage is high and claims are good. Premium is low and payback returns are high. Good future investment through which the travelling get easy without any tension.

Umakant
Roorkee
May 27, 2016
Satisfactory

Policy coverage is high and claims are good. Premium is low and returns are high. Service is fast and on time which is provided by the staff members. Luggage lost is recoverable by the policy terms and conditions. Medical conditions are also inbuilt in the policy but not for the dental problems.