Travel Insurance

Travel insurance is a unique product meant to protect you while travelling. Also known as travel health insurance, it can be bought for both foreign and domestic travels. Basic travel insurance plans cover financial losses caused by medical emergencies during your trip, however, comprehensive travel insurance policies offer better coverage for flight delays, lost passports, trip cancellations, personal liability, and more.

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Travel Insurance plans starting at just ₹50 per day*
  • No medical checkup required
  • Pre-existing coverage available
  • Instant Policy Issuance
  • Medical expenses, Trip cancellation/delay, Loss of baggage & Passport etc.
  • 24x7 claims support

* Price shown is for a 15 day trip to UK with a 1 lakh dollar coverage for an adult of age 25 years

Get Travel Insurance from 8+ insurers having more than 20 plans with Policybazaar

Plans include Covid-19 global coverage

Plans include Covid-19 global coverage

Accidental & sickness expenses

Accidental & sickness expenses

Covers Loss of check-in Baggage

Covers Loss of check-in Baggage

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* Price shown is for a 15 day trip to UK with a 1 lakh dollar coverage for an adult of age 25 years

Top Plans

  • Individuals
  • Sr. Citizens
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Plans for an individual of 30 years age travelling to USA for 15 days

What is Travel Insurance?

A travel insurance policy is a versatile plan that offers financial compensation for a range of emergencies faced by the policyholder on a trip. It is a very effective way to secure any trip, given that you compare travel insurance plans before buying the best one for your upcoming trip. 

Usually, people only learn about travel insurance when they need to visit a country which requires them to buy international travel insurance online. However, compared to pre-pandemic times, more travellers are now insuring their trips. 

Buying an online travel insurance policy is very convenient and the coverage can be customised for different kinds of trips. There are different coverages, add-ons and insurance periods depending on if it’s a business trip, a family trip or an educational trip. Benefits include compensation for the theft of your passport, medical evaluation, delay in checked-in baggage, missed connections, etc.

Why Buy Travel Insurance Why Buy Travel Insurance

Travel Insurance & COVID-19 Coverage

Due to the pandemic, COVID-19 travel insurance (also called COVID travel insurance) has become very popular as they provide COVID-19 coverage and other travel insurance benefits. You can buy travel insurance with COVID-19 cover that involves minimal paperwork.

Right from your flight to the entire stay abroad and the return journey, you can ensure a safe and hassle-free trip if you buy the best international travel insurance before leaving.

Facts About Travel Insurance

Categories Specification
Travel Insurance Cost Starting at Rs. 50/day*
Entry Age 3 months to 70 years or as specified
Countries Covered 200+ countries and islands by different international travel insurance companies in India
Duration of Travel Insurance 1 day to 1 Year
Medical Benefits Medical Expenses, Accidental Death and Disability, Dental Cover, Evacuation and Repatriation
Optional Pre-existing Diseases, Adventure Sports, Dental, Home Burglary, Nervous/Mental Disorder
Covers Family If purchased a Family Travel Insurance
Claim Procedure Can claim both online and offline
24x7 Worldwide Assistance Emergency Helpline, Mobile Applications, EAM, etc. provided by insurers
COVID-19 Insurance Coverage Yes, Provided by most travel insurance companies in India
Time Required to Buy Instant if you buy travel insurance online
Claim Settlement Period Varies with insurer
*Final Quote, Duration & Coverage will vary with insurer & plan purchased

Why should you buy Travel Insurance Online?

Buying a travel insurance policy online has several benefits in this digital era. Take a look at some of the reasons you should buy travel insurance online:

Cashless Treatment Facility

If your trip has travel insurance coverage, being admitted to a network hospital can help you avail of cashless medical services across the globe.

Fulfils Mandatory Requirement

Several countries around the world have made it mandatory to possess valid travel insurance to apply for a visa for that country. So if you want to visit any such country, you can quickly lookup plans online and obtain a visa after buying one of the best travel insurance plans available in India.

Easier to Compare Plans Online

When you buy travel insurance online, you can easily compare travel insurance plans offered by different insurers in one place, all under your budget.

No need for Insurance Agents

You no longer need to rely on an insurance agent to buy travel insurance. You can find the best travel insurance online within your budget on your own after you compare travel insurance online on Policybazaar.

Minimal Documentation

When you buy travel insurance online, you don't need to fill out several forms or submit multiple documents. All you need to do is fill up your details on the online form to buy best travel insurance policy for your upcoming trip.

Contactless Buying

In this era of the COVID-19 pandemic where social distancing is the norm, you can buy travel insurance online without coming in contact with any person.

Instant Policy Purchase

You save a lot of time if you buy travel insurance online, as the policy is issued almost instantly. You also don't need to visit the insurer's office or an agent. With so many policies for travel insurance in India, you can compare their key features and buy them within a few minutes!

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Features of a Perfect Travel Insurance Plan

Before you go on a holiday, first understand what all you need to prepare for. Other than packing, booking flight tickets etc., know what is travel insurance and how exactly it will protect you. Here are some of the best travel insurance benefits to look for in an overseas travel insurance plan:

  • Journey Coverage

    A perfect travel insurance plan will help you with many emergencies while travelling, such as:

    • Travel Assistance: New city or new country; your travel insurance plan will provide you with every urgent assistance ranging from legal help to steps to get your duplicate passport.
    • Policy Extension: If for some reason your trip is extended and your flight is delayed for some days, then your overseas travel insurance will be extended for a fixed period.
    • Flight Delays: If your flight is delayed due to certain reasons, your travel insurance policy will cover additional costs as per the policy terms.
  • COVID-19 Coverage

    Since the havoc caused by COVID-19, most insurers will help you with any of the following emergencies:

    • Trip Cancellation: Travel insurance with COVID-19 coverage will offer the coverage you or your immediate family member is diagnosed and hospitalised before the trip. In such a case, all your non-refundable and unused amounts like hotel booking, and ticket costs will be reimbursed as per the policy terms.
    • Automatic Extension: Some travel insurance with COVID-19 cover offer policy extension in case of a lockdown in your destination country, however, make sure to confirm this before buying.
    • Medical Expenses: If you or anyone travelling abroad with you is diagnosed with COVID-19 abroad, then your COVID-19 insurance for international travel will provide cover for these medical expenses & treatment.
  • Baggage Coverage

    With airlines misplacing baggage so often, it's only right that there is a safeguard you can turn to. Many travellers’ insurance policy also offers the benefits of flight travel insurance like the following:

    • Covers Lost Baggage: Flights may misplace your luggage or worse it may be stolen. Luckily, with an overseas insurance plan, you will get help with the costs of necessary personal expenses like clothing, medicines, and toiletries.
    • Covers Delayed Baggage: In case your baggage is delayed for some reason, your overseas travel insurance policy will pay for the cost of necessary items that need to be purchased until you get your bag back.
  • Medical Coverage

    What is worse than falling sick while travelling? Especially during a holiday when you have got a budget to stick to, getting injured or suddenly falling sick is seriously disappointing. Thankfully, your travel medical insurance plan will assist you in case of different medical emergencies:

    • Medical Emergencies: If you need medical assistance due to an accident or sudden illness, your travel insurance from India will cover you. In fact, many travel insurance companies in India even offer cashless travel insurance. Through this, your insurer can settle the treatment expenses directly at the network hospital.
    • Medical Evacuation or Repatriation: If you're hospitalised abroad and need to be evacuated back to India, or if you are unfortunately in a fatal accident, the travel insurance policy will take care of the costs required in repatriating your remains.
    • Study Interruption: This one is especially for students abroad. If they can't complete their studies because of the listed reasons, their unused tuition fee will be reimbursed.
    • Compassionate Visit: If you're hospitalised abroad and need someone from your family to come to help you, your travel insurance coverage will include a two-way ticket for them.
  • Add-On Covers/Optional Covers

    Nowadays, you can easily personalise your plan thanks to travel insurance options available in India. These are done by purchasing ‘extra benefits’ called optionals or add-on covers at some extra premium.

    If you need specific protection not commonly offered by basic travel insurance plans, then these optionals will go a long way to protect you:

    • Adventure Sports Cover: This add-on will let you freely enjoy winter sports, adventure activities, etc. when you are on a trip abroad. Any medical expenses caused due to these activities will be taken care of, as per the travel insurance policy schedule.
    • Home Burglary/Fire Insurance: This will protect your house from any loss caused by a break-in, theft, or fire while you are outside the country.
    • Emergency Hotel Accommodation:If your trip is extended due to any urgent reason, this optional coverage will offer benefits of hotel stay insurance such as reimbursement for your emergency accommodation costs.
    • Maternity and Baby Cover: Most travel insurance policies don't provide any coverage to pregnant women travelling. Luckily, many travel insurance plans in India offer this add-on for travelling mothers-to-be so that they are protected from day one of their journeys.

Please note that the travel insurance premium will vary from insurer to insurer as well as the kind of coverage you go for. There are many options for travel insurance price comparison before you pick the best travel insurance from India. benefits and features. This will let you

Types of Travel Insurance Plans in India

Different types of travel insurance plans have been designed to meet the needs of different travellers. People of all ages, including adults, students, families and senior citizens can buy international travel insurance online or offline. Let us take you through the different types of overseas insurance policy available in India:

  1. International Travel Insurance

    This type of travel health insurance covers individuals and families travelling overseas. It provides a wide range of coverage including medical expenses, dental expenses, flight delays, trip cancellation, loss of passport, personal liability, loss or delay of check-in baggage, and more.

  2. Schengen Travel Insurance

    It is a mandatory overseas travel medical insurance plan covering people going to one or more Schengen countries. As many European countries are part of the Schengen Zone, people commonly buy travel insurance for Europe from India before applying for a Schengen visa. It protects insured travellers from many emergencies that may lead to financial losses.

    Some of the most common coverage provided under this type of travel insurance includes coverage for medical expenses, loss of passport, delay in check-in baggage arrival, loss of check-in baggage, personal liability, personal accident cover, and accidental death & dismemberment (common carrier)

  3. Family Travel Insurance

    As is clear from the name, family insurance covers the policyholder, their spouse, and dependent children. All insured members of a family can avail of covers including medical expenses, loss of passport, personal liability, loss or delay of check-in baggage, and more. However, not all travel insurance companies in India offer similar benefits so travel insurance comparison is very important.

  4. Senior Citizen Travel Insurance

    Tailor-made for elderly people, this is the best travel insurance for senior travellers who wish to travel abroad without fearing health or other financial emergencies. Since most travel insurance companies in India only cover travellers up to the age of 60 - 65 years, providing this kind of travel insurance for seniors becomes crucial.

    Benefits of a senior citizen travel insurance plan include coverage of medical expenses, dental expenses, repatriation of mortal remains, loss or delay of check-in baggage, passport loss, medical evacuation, etc. just like other plans available under travel insurance in India.

  5. Student Travel Insurance

    This is a student-friendly insurance plan that has been customised for Indians travelling abroad to study and comes with an extended validity of up to 2 years. Apart from the basic coverage of an overseas travel insurance plan, it also provides the students with benefits like sponsor protection, study interruption, medical evacuation, bail bond, etc. It also covers two-way compassionate visits for the insured and the family member, a benefit not offered by basic travel insurance in India.

  6. Corporate Travel Insurance

    This type of insurance plan has been designed especially for businesspersons travelling for work purposes. It usually has a validity of up to 1 year that allows the insured to go on several journeys without needing to buy international travel insurance every time before their trip. Travel insurance benefits for this plan include flight delay, medical expenses, loss of baggage, missed connecting flights, etc.

  7. Group Travel Insurance

    It is usually opted by people organising tour groups, industrial training, official tours, or pilgrimage tours. Many travel insurance companies offer such policies to people travelling within India as well as abroad. It usually provides personal accident and baggage cover. However, the exact extent of coverage depends on the insurer.

  8. Medical Travel Insurance

    This plan offers financial help in case of a medical emergency while you’re abroad. Travel insurance coverage for medical travel insurance includes hospitalisation expenses, day-care expenses, dental expenses, medical evacuation expenses, and the cost of repatriation of mortal remains amongst others.

  9. Multi-Trip Travel Insurance

    Covering multiple trips in a year, this type of insurance plan is meant for people who go overseas often in a year. The plan also saves significant time and money. It offers the same level of benefits on every trip without the need to buy travel insurance online before each journey.

  10. Single Trip Travel Insurance

    This type of insurance plan protects the insured traveller only for a single journey. Its validity begins with the start of the journey and ends on returning home. It comes with a host of coverage that consists of medical covers as well as non-medical covers such as delay or loss of check-in baggage, personal liability, etc.

  11. Domestic Travel Insurance

    For people travelling within India, domestic online travel insurance policy offer coverage against several medical and non-medical emergencies. Domestic travel insurance in India financially protects people as well as families across Indian states. It provides coverage including medical expenses, loss of baggage, and personal accidents.

Understanding your options is important before you understand how to get travel insurance for your upcoming trip. Being clear about what does travel insurance cover for different types of trips and travellers will save you a lot of confusion later!

Other Types of Travel Insurance Plans

  • Baggage Insurance

    This comes into the picture when you lose your baggage during your journey due to theft or any other mishap. The losses incurred will surely cause big trouble or even ruin your trip. To save such heartache, you can always rely on baggage insurance.

  • Flight Insurance

    Travel insurance coverage under this plan protects you from any flight-related emergencies while travelling. This includes adversity caused during the flight or due to the fault of the airline or their staff. 

    It also provides comprehensive coverage of both travel health insurance and baggage insurance, such as medical cover, accidental death & dismemberment cover, delay or loss of check-in baggage, flight cancellation, flight hijack, and missed connection flight. However, the coverage for this insurance is usually limited to the flight or journey duration of the carrier.

Best Travel Insurance Plans in India by Top Insurance Companies

There is no shortage of the best international travel insurance plans in India. These are offered by the top Indian travel insurance companies with varying benefits for people to choose from. If planning a trip abroad, take a look at some of the best overseas travel insurance available in India:

Travel Insurance Companies Eligibility Criteria Key Features
Aditya Birla Travel Insurance NA Medical expenses cover, Passport loss, Automatic policy extension
Bajaj Allianz Travel Insurance 06 months to 70 years Cashless hospitalisation, Overseas COVID-19 coverage, Loss of baggage/passport
Bharti AXA Travel Insurance 03 months to 85 years Medical coverage, Emergency financial assistance, Baggage insurance
Care Travel Insurance 01 days and above Emergency hospitalisation, Upgradation to business class, Adventure sports cover
Chola MS Travel Insurance 03 months to 80 years Overseas medical expenses, Compassionate visit, Loss of international driving licence
Digit Travel Insurance 03 months to 99 years Emergency medical treatment, Flight delays, Adventure sports cover
Future Generali Travel Insurance 06 months to 80 years Medical expenses cover, Personal accident, Baggage delay/ loss
IFFCO Tokio Travel Insurance NA Overseas medical expenses, Trip cancellation, Hospital daily allowance
National Travel Insurance NA Medical expenses cover, Personal liability, Passport loss
New India Travel Insurance 06 months to 70 years Medical coverage, Delay of check-in baggage, Personal accident
Oriental Travel Insurance 06 months to 70 years Overseas medical expenses, Passport loss, Personal liability
Reliance Travel Insurance 06 months to 70 years Cashless hospitalisation, Trip delay, Home burglary insurance
Royal Sundaram Travel Insurance 91 days and above Medical expenses, Political risk & catastrophe evacuation, Missed connections
SBI Travel Insurance 06 months to 70 years Emergency medical treatment, Trip delays
Shriram Travel Insurance 90 days to 65 years Medical expenses cover, Loss of passport, Hijack distress allowance
Star Travel Insurance 06 months to 70 years Emergency medical expenses, Personal liability, Flight delays and cancellation
Tata AIG Travel Insurance 06 months to 70 years Medical coverage, Bounced flight/hotel bookings, Automatic trip extension
United India Travel Insurance 5 years to 80 years Medical expenses, Trip cancellation, Hospital daily allowance
Universal Sompo Travel Insurance 01 day to 70 years Emergency medical expenses, Personal accident, Baggage loss
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When, Where, and How to Choose Travel Insurance Policy?

Purchasing travel insurance for the first time can be confusing and complicated. However, you can easily know everything about it through this section. From when to buy travel insurance to how, we will guide you all the way.

When & Where to Buy Travel Insurance?

Ideally, you should buy international travel insurance as soon as you have booked your flight and hotel. Most travel guides and insurance companies recommend that you buy travel insurance within 15 days of buying your flight tickets and other non-refundable costs. This comes in handy in many ways:

  • Buying travel insurance early protects your trip from any last-minute cancellations or delays and the financial loss they entail
  • Many countries like France, Germany, Turkey, Australia etc. need Indian visitors to show proof of travel health insurance before they issue a visa.

Finally, about your travel insurance purchase, only you can decide where to buy travel insurance from. This can be easily done online or by visiting a physical store. Wherever you choose to buy travel insurance in India, don’t forget to compare travel insurance plans on

How to Select Travel Insurance in India?

How to Buy Best Travel Insurance

If you’re going on an international trip for the first time, then chances are you’re confused about how to get travel insurance for your much-awaited trip! Before you buy travel insurance online, make sure you give it a lot of thought and weigh your options:

  • Travel Frequency

    If you are a frequent traveller, you are better off with a multi-trip insurance policy that will be cheaper and save you the hassle of buying it again. Otherwise, you should go for a single-trip insurance plan which covers you for the entire duration of your journey.

  • Travel Destination

    Whether it is an international trip or a domestic trip, whether going to the US or Japan; different trip locations will cost you differently. Also, many countries have a mandatory travel health insurance requirement before they issue a visa so your sum insured and other requirements will vary significantly.

  • Trip Duration

    Your travel insurance policy will be calculated and issued according to the length of your stay. In most cases, people buy an online travel insurance policy with a duration slightly exceeding their total trip duration so that any sudden changes can be accommodated without costing you an extra premium.

  • Number of Travelers

    You can buy an individual travel insurance policy if you're going alone, or make it into a family travel plan if your loved ones are going too. The insurer should be informed about the total number of travellers accordingly.

  • Claim Procedure

    When you buy travel insurance online, read about the insurer, their claim-settlement ratio as well as any claim limits they have set with various benefits. Each travel insurance policy has a certain limit up to which they will pay for your claims.

Eligibility Criteria for Travel Insurance Policy in India

Any Indian citizen can buy international travel insurance online, irrespective of the type of policy being purchased. Additional eligibility requirements for different types of online overseas travel insurance are given below:

Plan Eligibility
International Travel Insurance Must be aged between 0.6 and 70 years
Schengen Travel Insurance Can be bought only for Schengen Countries, Minimum 30,000 EUR coverage required
Family Travel Insurance Available for 4 people including the insured, spouse and 2 dependents, Adults must be aged between 18 and 60 years, Children must be below 21 years
Senior Citizen Travel Insurance Available for seniors aged 61 to 90+ years
Student Travel Insurance Must be enrolled in an educational institute abroad, Must be aged between 16 and 35 years
Corporate Travel Insurance Must be aged between 18 and 70 years
Multi-Trip Travel Insurance Eligible for multiple trips over a year
Adults aged between 18 and 70 years, Children aged 3 months and above, Can be renewed
Single-Trip Travel Insurance Eligible only for one trip, Adults aged between 18 and 70 years, Children aged 3 months and above

*Please note that the age bracket varies with insurers. You should check the eligibility with the insurance provider before reviewing or buying any travel insurance online.

FAQs Related to COVID-19 Travel Insurance

Myths About Travel Insurance

Travelling after months of planning and savings is one of the best feelings. As more people take up travelling again, one thing they easily dismiss is insuring their trip. Travel insurance not only serves as a backup during financial difficulties, but it also offers you 24X7 global support if you need it. 

Sadly, there are many misconceptions about travel insurance that discourages people from buying them. We have covered a few of these travel insurance-related myths along with the actual facts!

  • I don't have any Health Issues, so Travel Insurance is Useless!

    Your overseas travel insurance is not just to cover your health emergencies; it also takes care of other emergencies that will cost you considerably abroad! This includes losing your passport, missing your flight for a valid reason, getting mugged, accidentally damaging someone’s property and more.

    What’s more, even if you’re fit and fine, getting into an accident or a serious injury while travelling isn’t something you can control. In such cases, you’re better off with a travel insurance policy.

  • Travel Insurance is Only Useful for Frequent Travellers!

    Frequent travellers can indeed get an annual trip insurance plan for themselves and get many benefits from it, but it works the same way for other travellers too.

    While frequent travellers save a lot of time and money on their annual trip insurance plans, those going for a single trip travel insurance can benefit a lot from their plans as they are not as expensive. These offer great benefits at a nominal cost.

  • I Can Report Any Accident & File a Claim Once I'm Back in India.

    Even if you are on a short trip abroad, you shouldn't wait to return home in case something goes wrong. This includes getting into an accident, losing your wallet, missing bags, stolen passports etc.

    Most insurers need you to inform them about an incident within 24-48 hours. You also need to report these incidents to the police or other local authorities so that you can file a claim back home.

    What's more, many insurers won't entertain any claims after a certain period, mostly 30 days after you have returned to India.

  • Old People Can't Buy Travel Insurance Policies!

    This is a baseless claim! Just because there’s a general age bracket for eligibility, senior travellers can’t be denied travel insurance plans! While standard plans are available for people aged anywhere between 6 months to 60 years, you will find many plans specially made for senior travellers. You can easily find these international travel insurance online. In fact, there are enough senior citizen travel insurance plans in India for anyone beyond that age and some insurers don’t even have an upper age limit!

  • It's Just a 3-day Trip, I Don't Need to Waste Money on Travel Insurance!

    No matter how short or long your trip is, do you really want to risk it? That is the unpredictability of life- horrible weather, emergency hospitalisation or unfortunately losing your stuff are a few things that can happen to anyone at any time. In fact, on a shorter trip you’d be too stressed to deal with any medical emergencies alone, so why not let travel medical insurance take care of it?

  • I Only Need Travel Insurance for Schengen Countries.

    While you can’t visit many European countries without proper Schengen travel insurance, other countries don’t make it mandatory. This doesn’t mean that you’re going to be fine without insurance; risks are always present no matter the country. It’s strongly advised that you get travel medical insurance every time you go abroad!

  • Travel Insurance is Useless as They Always Reject Claims!

    Usually, claims are not accepted because they’re either a part of the exclusions or because there’s been incorrect information provided. Most travel insurance companies in India have a general set of exclusions stating all the scenarios where your claim won’t be covered.

    For example, travel insurance companies reject claims related to pre-existing conditions unless you’ve bought a policy that covers them.

What Makes Comparison of Travel Insurance Important?

With so many travel insurance plans in India, it is easy to get confused about the best travel insurance to opt for. Travel insurance Comparison becomes the best way to assess multiple plans and see which insurer is offering the best benefits.

As these plans vary with your requirements, what may work for someone may not be enough for you. In some cases, opting for a specific travel insurance plan may be useless and even exceed your budget.

For example, if you’re planning a trip to Europe with your mother then chances are her overseas insurance policy will cost a lot more than yours. You can easily buy affordable travel insurance for yourself after selection, and use the rest of your budget to buy a costlier senior citizen travel insurance. 

Your travel insurance plan should cover what you need and not exceed your budget. For example, your travel insurance plan will depend on many factors:

  • If the traveller has any pre-existing medical conditions
  • If there are any limits on trip duration
  • Age of the traveller
  • Number of travellers
  • Location opted
  • The sum insured/ kind of coverage opted for
  • If opting for any add-ons

Many travel insurance companies in India allow you to filter out the coverage benefits for things you don't need, which will cost you less than regular rates. All these factors make it difficult to understand a plan’s benefits and may rush you into purchasing a travel insurance plan not best for your needs.

Why Compare Travel Insurance Online?

Buying travel insurance online after comparing is extremely useful for travellers. Here are some of its key advantages:

  • Compare Multiple Plans: You can easily compare a variety of travel plans and decide which one suits you best depending on the travel insurance quotes suiting your budget.
  • Offers Discounts: Many travel insurance companies in India offer discounts if you buy travel insurance plans online.
  • Helps Understand Inclusions Better: When you compare travel insurance online, you can decide the exact sum insured and other necessary benefits that different insurers are offering.
  • Helps in Making an Informed Choice: When you buy travel insurance online after comparing them, it is not only cost-effective but also wise. After checking multiple plans, you can easily tell which plan offers maximum insurance coverage within your budget.
  • Time-Saving: Comparing travel insurance online lets you buy a travel insurance policy quickly and securely by giving you a fair comparison of the ongoing prices.

Therefore, you can see how the cost of your premium can be significantly reduced just by comparing different plans first.

Things to Consider While Buying Travel Insurance Online

To make an informed choice, you need to consider the following things while you buy travel insurance online

Purpose of the Journey

Keep the purpose of your trip in mind while choosing a travel insurance policy for your journey to receiving...

the maximum coverage. For instance, if you are traveling for studies, you should buy student travel insurance online

Sum Insured Amount

The travel insurance policies with a higher sum insured draw higher premiums. Therefore, choose...

a sum insured amount that will adequately cover your travel needs.

Claim Settlement Ratio of the Insurer

It’s important to check the claim settlement ratio of different travel insurance companies. A company...

with a higher claim settlement ratio has settled more claims and thus, should be preferred when buying travel insurance online.

The Credibility of the Insurance Provider

It is important to research the credibility and goodwill of the travel insurance company. A company...

that enjoys goodwill in the market can be considered reliable and will mostly settle the claims on time.

Hassle-Free Claim Procedure

Complicated claim procedures will be more of a hassle at the time of settling the claim. You should...

choose an insurer with the quickest and the most convenient claim process, preferably online.

Solvency Ratio

A company with a good solvency ratio has a sound financial standing and has lesser chances...

of going bankrupt.

Minimum Coverage Amount

Certain countries require a minimum travel insurance coverage amount to obtain their visa...

For instance, you need to have a minimum travel insurance coverage of 30,000 Euros to obtain a Schengen visa; so check their travel guidelines before buying your travel insurance policy.

Excluded Medical Conditions

Before you buy a travel insurance policy, you must check the medical conditions that are not covered under...

the travel insurance policy.

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What’s Not Covered by Travel Insurance Plans

Ignoring exclusions or situations that are not covered under a travel insurance plan is one of the biggest reasons for claim rejection. Keeping these travel insurance exclusions in mind before buying any plan will save you from misunderstandings and financial regrets later. 

It will also let you decide if you’re okay with the travel insurance quote for a plan you’re going for. Most travel insurance companies in India don’t cover claims due to the following reasons:

  • Medical Exclusions

    • If you are travelling abroad against the medical advice of the doctor, then any medical expenses incurred will not be covered by the insurer.
    • Medical expenses for injuries or sickness caused while you were intoxicated or under the influence of alcohol shall not be covered under a travel insurance policy.
    • Treatment costs incurred due to sexually transmitted diseases and mental/nervous disorders are often not covered by many travel insurance companies in India.
    • Claims related to pregnancy or related complications are not covered.
    • Most travel insurance plans in India do not offer reimbursement for expenses due to alternative treatments such as Homoeopathy, Naturopathy, or Ayurveda.
    • Any claims related to cosmetic surgery or plastic surgery are usually not covered by the insurer.
    • Claims due to treatment for self-inflicted injuries, including attempts to suicide or suicide, are not covered by the insurer.
    • Many insurers in India don’t offer coverage for pre-existing issues or diseases under regular travel insurance plans unless an add-on cover has been purchased.
  • Baggage Exclusions

    • Your international travel insurance policy will not cover baggage loss if your luggage has been shipped separately and/or is not accompanied by you.
    • Some policies don't cover cases beyond the specified geographic region.
    • Delay or failure in reporting the lost luggage to the relevant authorities may result in the rejection of your travel insurance claim.
  • Journey Exclusions

    • Any claims arising because of dependency on intoxicants, such as alcohol or drugs will not be covered by the insurer.
    • Many insurers don’t cover claims arising out of the insured’s participation in adventure sports and other winter sports. For example, mountaineering, bike race, scuba diving, etc.
    • Loss due to involvement in illegal activities, theft, felony, etc. will not be covered.
    • Damage caused during dangerous or hazardous work will not be covered.
  • Other Exclusions

    • The insurer will not cover any claims arising because of war-like circumstances, as well as a civil war in the country that you are visiting.
    • Claims arising due to terrorist attacks in your destination city or country may not always be covered by all insurers.
    • The insurer will not cover the expenses incurred during obtaining a duplicate or a new passport upon losing the original passport abroad if it was left unattended

How to Calculate Travel Insurance Premium Online?

Every traveller should opt for a policy that offers maximum coverage for the least possible premium. For this, they need to get travel insurance quotes first. To find out the premium payable for a travel insurance plan, you can use a travel insurance premium calculator.

A premium calculator is an online tool that gives you an estimate of the premium cost for a particular insurance plan. These are a few parameters that affect travel insurance premiums:

  • Age - The higher the age of the traveller, the more will the premium.
  • Destination - If you are travelling to a high-risk country, your chances of facing adversities are more.
  • Trip Duration - Longer your trip duration, the higher will be your travel insurance premium.
  • Number of Travellers - The premium of a policy covering one person will be lower than the premium of a policy covering the entire family.
  • Add-On Covers - If you opt for add-on covers under your policy, your premium amount will increase.

Make sure to use this calculator before you buy the best travel insurance online.

Tips to Lower Your Travel Insurance Premium

Travel insurance can come in extremely handy if you face an emergency during your trip. You can use the tips given below to lower your international travel insurance cost:

  • Buy Early - Buy a travel insurance policy well in advance to lower your premium. If you buy the policy early, you are considered a responsible person and are charged a lower premium.
  • Customise Your Policy - Try to customise your as per your requirements so that you only have to pay for the coverage that you need.
  • Multi-Travel insurance for Frequent Flyers - If you need to travel multiple times a year, it is more affordable to buy multi-trip insurance with a year-long validity.
  • Opt for Family/ Group Travel Insurance Plans - If you are travelling with your family or in a group, you must opt for a family travel insurance plan or group travel insurance plan respectively as they are more cost-effective.

Claim Procedure for Travel Insurance Policies

Buying the best travel insurance is not your only responsibility as a traveller. You should also be aware of the procedure to file a timely travel insurance claim. Follow the steps given below to register a travel insurance claim if required:

  • Inform the insurer or the assistance provider of the insurer via phone or email about your claim.
  • Ask about different documents that you need to submit in support of your claim.
  • Send all the required documents to the insurer via email, fax, or post
  • Once you have submitted the documents, your claim will be verified against the coverage provided by your travel insurance policy

How to Extend a Travel Insurance Policy?

Be it a planned or an emergency, you should always be protected by a valid travel insurance plan in another country. Depending on the type of travel insurance, it can be extended from 1-2 weeks or more. However, there are some facts to keep in mind:

  • Renewal is possible for annual trip insurance plans. For other short-term policies, an extension can be granted. 
  • Emergencies like hospitalisation, accidents, natural disasters etc. are often covered by your overseas travel insurance and some even offer an automatic policy extension.
  • An additional premium will be required to extend the duration of your travel insurance plan.
  • If it’s a planned extension, then the insurer must be informed at the earliest. Similarly, additional travel insurance premium payments should be made according to the change in your travel plans.

However, if your insurer doesn't include this benefit then make sure to know the required documents and extension policy before buying a plan. If your travel policy expires while you're stuck abroad, you won't be protected there.

Decoding Travel Insurance Terms

Here are some terms simplified for you to better understand travel insurance wordings:

  • Sum Insured

    In case of any unfortunate event (for which you are covered), your insurer will give you a certain amount of money. This is also the maximum amount that you will be paid. You are entitled to this amount which is the maximum coverage under your travel insurance plan.

  • Reimbursement

    If you’re in an emergency and have no time to wait for your insurer, then you can pay the expenses out of your pocket first and later get that money back (reimbursed) from your insurer. You will be compensated for all your costs as per the limits of your travel insurance policy.

  • Single-Trip Insurance Plans

    If you’re not a frequent traveller, you’re more likely to have a single-trip insurance plan. This type of plan provides coverage for only one trip up to the determined date.

  • Multi-Trip Insurance Plans

    These are made for people who travel frequently. Multi-trip insurance plans cover all the trips under the predetermined period (usually 1 year) and don’t need to be purchased every time.

  • Family Travel Insurance Plans

    As the name says, family travel insurance are plans designed for families. This can be usually bought for the insured’s spouse, dependent children, and often older parents.

  • Sub-limits

    These are additional limitations under any coverage offered by your travel insurance plan. Sub-limits apply to some insurable losses and exceeding them will require you to pay the difference. For example, hospital room rent, ambulance charges, etc. have a fixed limit, exceeding which you will need to pay the additional amount.

  • Deductible

    In some cases, you are required to pay some of the initial expenses in case of an insured emergency. This is to be paid out of your pocket and will not be reimbursed. This amount is known as the deductible for that cover. The remaining expenses will be reimbursed by your insurer.

  • Cashless Settlement

    Can be any organisation such as a commercial airline, dealing in the travel of people and cargo between different cities or countries.

  • Common Carrier

    Can be any organisation such as a commercial airline, dealing in the travel of people and cargo between different cities or countries.

  • Condition Precedent

    A predetermined condition based on which the insurer agrees to offer coverage to the insured.

  • Equipment Failure

    An unexpected breakdown or malfunction of the common carrier’s equipment resulting in interruption or delay of the scheduled trip of the insured.

  • Grace Period

    This feature is only available in multi-trip or group plans. An extended time period, right after the due date of the insurance premium. The insured person can still pay this due premium in this window to continue enjoying the protection of the travel insurance plan without any interruption.

  • Hospitalisation

    When the insured person needs to be admitted into a hospital or a medical facility or for the mentioned minimum duration to receive their medical care. The duration must exceed 24 hours.

  • Immediate Family Member

    Refers to the legal relatives of the policyholder. Includes the insured’s legal relations, including their parents, spouse’s parents, spouse, legal children, siblings, siblings-in-law, legal guardian, etc. who are residing in India.

  • Insured Journey

    Refers to the duration of the valid policy term, for which it has been purchased. Most insurers calculate it as the time between the insured boards the common carrier for their scheduled journey and the moment they return their home, or on the day their plan expires, depending on whichever is sooner.

  • Insured Person

    The policyholder is the individual who has purchased the travel insurance plan. Must be a permanent resident or citizen of India.

  • Land/Sea Arrangements

    Includes different travel arrangements that have been paid for in advance, and made for the insured’s scheduled trip. These are planned by a travel agent or other tour operating organisation for which the travel insurance plan has been bought.

  • Medical Expenses

    Means the expenses incurred by the insured person due to a sudden illness or injury. These must be required medical treatment based on the advice of a qualified doctor or medical practitioner.

  • Medically Necessary

    Includes all tests, treatments, or hospitalisation necessary for the insured’s medical condition. The process involves medical care and management of the insured’s injury/illness based on the advice of a medical practitioner.

  • Notification of Claim

    A necessary step on the part of the insured in case they need to raise a claim. The individual can inform their insurer about the claim to be raised.

  • Pre-Existing Condition

    Refers to any injury, disease, or other related condition the insured has been diagnosed with or have had experienced symptoms of. If the insured has received medical treatment for the said condition, they should inform the insurance company.

  • Room Rent

    In case of hospitalisation, the daily cost an individual must pay to occupy their hospital bed. This room rent is fixed by the hospital or medical facility charges.

  • Serious Injury/Sickness

    A situation when an injury or sickness becomes a threat to the insured. It must be declared by a qualified physician stating that it is harmful to the insured’s life.

  • Subrogation

    When the insurer takes legal measures against a third person or party on behalf of the insured. Usually in cases where the third party has caused loss or injury to the insured person.

  • Travelling Companion

    Usually two other people who have booked travel tickets along with the policyholder for the journey.

Travel Insurance - FAQs

  • Q. Why Do I Need Travel Insurance?

    Ans: While travelling brings joy to most, it also has its share of mishaps. For business or fun, international travel insurance plans protect you from these issues.
  • Q. Can You Buy Travel Insurance After Starting Your Trip?

    Ans: No, you can’t. Especially if you’re travelling abroad then you need to buy international travel insurance before departing from India.
  • Q. Does a Travel Insurance Policy Cover Pre-Existing Diseases?

    Ans: Most Indian travel insurance companies don’t cover pre-existing diseases like diabetes and high BP. However, you can always buy an optional to cover these PEDs in case you end up in an emergency while travelling abroad. However, you can buy travel insurance with COVID-19 cover and pre-existing medical conditions.
  • Q. I am an OCI Cardholder (Overseas Citizen of India). Can I buy a travel policy?

    Ans: Yes. OCI Card holders can buy a travel policy, provided they have a valid Indian passport and intend to return to India.
  • Q. Can I purchase travel insurance online for someone unrelated to me?

    Ans: No. You can’t buy travel insurance in India on behalf of someone unrelated to you. You can only purchase it for yourself and your parents, spouse, and children.
  • Q. Can I file a travel insurance claim once I return to India?

    Ans: Technically, you can file a claim under your international insurance policy after returning to India, provided the claim is registered within 30 days of getting back to India or policy expiry, whichever is earlier. However, it is recommended to notify your insurer and file your claim as soon as you can.
  • Q. What will happen if I forget to carry my travel policy along?

    Ans: Usually an overseas insurance policy can be easily issued online, so it is not easy to miss it while travelling. While it’s advisable to carry a soft copy while travelling, you can always get a copy of it through your customer ID and policy number. Just make sure to keep a soft copy with you at all times!
  • Q. Can a travel insurance policy be withdrawn by the insurer at any point in time? If so, what are the options available?

    Ans: Yes. Travel insurance companies can withdraw a travel insurance plan if approved by the IRDAI. The traveller will receive a notice about the withdrawal at least 3 months before the expiry of the policy. In case of withdrawal, the insured will be able to continue with their ongoing policy until the scheduled date of its expiry.
  • Q. Why should you buy international travel insurance online?

    Ans: Buying online overseas travel insurance online saves a lot of time and gets you the best travel insurance policy there is. Since there are no agents involved you can take your time understanding and comparing the available travel insurance plans without paying extra commissions.
  • Q. Will travel insurance cover trip cancellation due to hospitalisation?

    Ans: Yes, you can file a claim for your cancelled trip if it was because of hospitalisation. However, it can only be accepted if you or an immediate family member were hospitalised for the minimum period according to your insurance plan.
  • Q. I have both travel insurance and health insurance, so which one will be applicable during my trip?

    Ans: In case you're travelling in India and face emergency medical expenses, depending on the in-patient or out-patient coverage your health insurance plan will be applicable. However, if abroad, then only your travel medical insurance policy will be valid.
  • Q. How much will overseas travel insurance online cost me?

    Ans: This will depend on the kind of overseas medical insurance policy you go for, as the cost will vary from country to country. Multiple factors like your age, trip duration and underlying health condition will determine the final premium. For a better idea, use a travel insurance premium calculator.
Disclaimer: Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by an insurer.
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Travel Plans Insurance Reviews & Ratings
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Jaipur, December 05, 2022
Add on covers
Could easily personalize my plan as per my requirement with additional covers. Also included maternity cover for my wife at a very affordable premium.
Jabalpur, December 04, 2022
Zero paperwork
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Hubli, December 02, 2022
Good Comparison
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Gurugram, November 30, 2022
Flight delay covered
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New Delhi, November 29, 2022
Happy with Purchase
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Patna, November 28, 2022
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Gorakhpur, November 27, 2022
Smooth Purchase
Was looking for a budge-friendly travel insurance for a trip with my parents. Luckily, found about Policybazaar and purchased a plan right away without any hassle. Their purchase process is really smooth and quick as well.
Mumbai, November 26, 2022
Lost luggage coverage
Recently I purchased travel insurance for my business trip from Policybazaar and it turned out to be the wisest decision when I lost my luggage at the airport which contains some important documents. So, I raised a claim and got covered for these significant expenses.
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