Travel Insurance

Travel insurance is a unique product essential to protect you while travelling. Also known as travel health insurance, it can be bought for foreign and domestic travel. Basic travel insurance plans cover financial losses caused by medical emergencies during your trip. However, comprehensive travel insurance in India covers flight delays, lost passports, trip cancellations, personal liability, and more.

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Plans start from ₹50 per day*

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

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Plans include global Covid-19 coverage

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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

Get Trip Cancellation benefits

Get Trip Cancellation benefits

Top Travel Insurance Plans

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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 offers financial compensation for many emergencies you may face during your trip. Once dubbed as an unnecessary or extra expense, there is no better way to financially and mentally safeguard yourself abroad.

Travellers insurance is a very effective way to secure your journeys from unexpected financial losses due to various medical, legal, accidental or booking-related emergencies. Given that you compare travel insurance online before buying the best one, you will never regret purchasing this safety net for your upcoming trip.

Earlier, people only considered buying travel insurance in India for visiting a country which required them to buy international travel insurance online. However, more Indian travellers realise the risks of travelling abroad along with their financial consequences.

Buying an online travel insurance policy is very convenient, thanks to customised plans readily available for different kinds of trips. You can also buy additional coverages( called add-ons) to get covered for things you don’t get coverage for regularly.

You can also choose insurance periods depending on whether it’s a business trip, a family trip or an educational trip. Some lesser-known benefits include compensation for the theft of your passport, medical evaluation, delay in checked-in baggage, missed connections, etc. These and many other advantages are available under different types of travel insurance in India.

Why Buy Travel Insurance

Travel Insurance India: At a Glance

Categories Specification
Travel Insurance Cost Rs. 50/day* starting price
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 - 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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What Does a Perfect Travel Insurance Plan Cover?

Just like packing essentials, booking nice flight tickets and hotels, understand the risks you must prepare for. You should know what travel insurance plans will protect you for this. Here are some of the best travel insurance coverage benefits to look for in an overseas trip insurance plan:

  • Journey Coverage

    The best travel insurance plan will help you with many emergencies while travelling, such as:

    • Travel Assistance: New city or a new country, your travel insurance plan will provide you with every urgent assistance ranging from customer support to getting a list of international network hospitals close to you.
    • Policy Extension: If your trip is extended for some reason, then your international insurance will be extended for a fixed period.
    • Flight Delays: If your flight is delayed for specified reasons, your international insurance policy will cover additional costs per the policy terms.
  • COVID-19 Coverage

    No one can forget the mayhem during COVID-19 and what it cost us. Most insurers will cover the following under travel insurance with COVID coverage:

    • Trip Cancellation: Trip insurance with COVID-19 coverage will offer the coverage if you or your immediate family member is diagnosed and hospitalised before the trip. In such a case, your non-refundable and unused amounts, like hotel booking and ticket costs, will be reimbursed per the policy terms.
    • Medical Expenses: If you or anyone travelling abroad with you is diagnosed with COVID-19, then your covid travel insurance for abroad will cover these medical expenses & treatment.
  • Baggage Coverage

    With airlines misplacing baggage so often, it's only fitting 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 damage your baggage. An overseas insurance plan will help you with necessary personal expenses like clothing, medicines, and toiletries.
    • Covers Delayed Baggage: If your baggage is delayed, your tourist insurance will pay for the necessary items 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 a budget to stick to, getting injured or suddenly falling sick is seriously disappointing. On top of falling sick, there are extra (and often high) expenses that you did not account for. This is where your travel insurance coverage will have your back:

    • Medical Emergencies: If you need medical assistance due to an accident or sudden illness, your foreign travel insurance from India will cover you. Many travel insurance companies in India even offer cashless travel insurance. Your insurer can settle the treatment expenses directly at the network hospital through this.
    • Medical Evacuation or Repatriation: If you're injured or need medical assistance abroad and must be evacuated to a safer place, your travel insurance coverage will include or are, unfortunately, in a fatal accident. The travel insurance policy will cover the required costs of repatriation.
  • Add-On Covers/Optional Covers

    If you’re not satisfied with regular coverage provided by travel insurance plans you can easily personalise your travel and health insurance for trips by using add-ons. These are also called ‘extra benefits’ purchased at some extra premium.
    If you need specific protection not commonly offered by different types of travel insurance online, 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., while travelling abroad. Any medical expenses caused due to these activities will be handled 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 for any urgent reason, this optional coverage will offer a hotel stay insurance benefits, such as reimbursement for your emergency accommodation costs.

Please note that the travel insurance premium will vary from insurer to insurer and 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.

Types of Travel Insurance Plans in India

Many types of travel insurance plans have been designed to meet the needs of different travellers. Travelling being a universal activity, it is only fair for every kind of traveller to find the same safety and support when they leave India. 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 policies available in India:

  1. International Travel Insurance

    This type of international insurance covers you during your overseas trips. Also called foreign travel insurance, 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

    This one is a mandatory overseas travel medical insurance plan covering people going to one or more Schengen countries. As 26 European countries are part of the Schengen Zone, people also refer to it as Europe travel insurance. All Indians must buy travel insurance for Europe from India before applying for a Schengen visa. It protects you from many emergencies that may lead to extreme financial distress.

    Some of the most common coverage provided under this plan includes medical expenses, loss of passport, delay in check-in baggage arrival, loss of check-in baggage, personal liability, and personal accident cover. This is among the best travel insurance options for people planning a Euro tour.

  3. Family Travel Insurance

    As the name shows, family insurance covers the policyholder, their spouse, and dependent children. All insured members of a family get coverage for medical expenses, loss of passport, personal liability, loss or delay of check-in baggage, and more. For families going on vacation, it is the best travel insurance online. 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 older travellers, this is the best travel insurance for elderly travellers who wish to go 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. However, travel insurance quotes for seniors can be considerably higher than regular plans, especially if they have a PED.

  5. Student Travel Insurance

    This is a student-friendly travel medical insurance plan that has been customised for Indians travelling abroad for education. It 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 unique benefits like sponsor protection, study interruption, medical evacuation, bail bonds, etc. It also covers .compassionate visits for the insured and the family member, a benefit not offered by basic travel insurance India.

  6. Corporate Travel Insurance

    This type of insurance plan has been designed especially for businesspersons travelling for work. It usually has a validity of up to 1 year, allowing the insured to go on several journeys without needing to buy international travel insurance every time before their trip. Travel insurance coverage for this plan includes 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 Indian 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. Trip insurance coverage under 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

    This type of insurance plan covers multiple trips in a year, which is meant for people who go overseas often in a year. The plan also saves significant time and money. It offers the same benefits on every trip without needing 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. Single-trip travel insurance covers medical and non-medical covers such as delay or loss of check-in baggage, personal liability, etc.

  11. Domestic Travel Insurance

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

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

Other Types of Travel Insurance Plans in India

With rising awareness, the demand for extensive trip insurance coverage is also rising in India. A few insurers also provide additional insurance which has some coverage of foreign travel insurance:

  • 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 airline's or its staff's fault. Often, it is covered under trip cancellation insurance when the flight has to be cancelled due to an emergency.

    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 travel insurance plans in India for international trips. 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 online 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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How to Buy International Travel Insurance?

Buying foreign travel insurance has never been easier if you have a trip upcoming! All you need to do is follow these four easy steps:

  • Share: Your basic details like name, mobile number, travel destination, age etc., to get plans accordingly.
  • Choose: From the list of travel insurance options that fit your needs and budget best.
  • Pay: For the travel insurance of your choice. Use any gateway convenient.
  • Get: Your trip insurance policy for the upcoming journey.

When, Where & How to Choose Travel Insurance Policy?

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

When & Where to Buy Travel Insurance?

Ideally, you should buy travel insurance as soon as you have booked your flight and hotel. Most travel guides and insurance companies recommend buying travel insurance within 15 days of buying your flight tickets and other non-refundable costs.

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 health 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 by so many types of travel insurance for your much-awaited trip! Before you buy international travel insurance online, make sure to weigh your options by following this quick guide:

  • How Frequently Do You Travel?

    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 that covers you for the entire journey.

  • Where are You Heading?

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

  • How Long is Your Trip?

    Your travel insurance premium 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 them an extra premium.

  • Who are You travelling With?

    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.

  • How Easy is the Claim Process?

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

Steps to Buy Travel Insurance Online

Countries Requiring International Travel Insurance from India

For most trips abroad, travel insurance is treated as an additional expense and is often skipped. In reality, buying travel insurance early protects your trip from any last-minute cancellations or delays and the financial loss they entail.

Over 30 countries in the world have made it mandatory for travellers to buy trip insurance before they approve their visas. These include 26 Schengen nations with a rigid requirement of a minimum EUR 30,000 coverage. Turkey, Qatar, UAE, Russia and Cuba are some countries that have a mandatory travel health insurance requirement. Without first buying travel insurance, entry can be denied to visitors.

Eligibility Criteria for Travel Insurance Policy in India

Any Indian citizen can buy international travel insurance online, irrespective of the policy type. Additional eligibility requirements for different types of online travel health 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.

Myths About Travel Insurance

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

Sadly, many misconceptions about travel insurance discourage people from buying it. 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 covers 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 or losing your passport.

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

  • Travel Insurance is Only Useful for Frequent Travellers!

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

    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 greatly 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 to file a claim or report to your insurer. 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. Generally, this is not more than 31 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? If you’re still not convinced, you can easily find cheap travel insurance online that perfectly fits your budget!

  • 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. In fact, there are many non-European countries which have made it compulsory to have travel health insurance. 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, you may need more than what may work for someone. In some cases, opting for a specific travel insurance plan may be useless and even exceed your budget.a

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 health insurance for yourself. After selection, you can use the rest of your budget to buy your mother a costlier senior citizen travel health insurance.

Your travel insurance plan should cover your needs and not exceed your budget. For example, your travel insurance quotes 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 that is 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 travel insurance plans and decide which suits you best depending on the travel insurance quotes to suit your budget.
  • Offers Discounts: Many travel insurance companies in India offer discounts if you buy travel insurance 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 offer.
  • Helps in Making an Informed Choice: When you buy travel insurance online after comparing them, it is cost-effective and wise. After checking multiple plans, you can quickly tell which 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 travelling 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 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 doctor's medical advice, 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 are not covered under a travel insurance policy.
    • Treatment costs incurred due to STDs (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 reimburse expenses due to alternative treatments such as Homoeopathy, Naturopathy, or Ayurveda.
    • Any claims related to cosmetic 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.
    • Many insurers in India don’t offer coverage for pre-existing issues or diseases under regular travel medical 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 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 from dependency on intoxicants, such as alcohol or drugs, will not be covered by the insurer.
    • Many insurers don’t cover claims arising from the insured’s participation in adventure sports and other winter sports. For example, mountaineering, bike races, 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.
    • All insurers may not always cover claims from terrorist attacks in your destination city or country.
    • The insurer will not cover the expenses incurred while obtaining a duplicate or a new passport upon losing the original abroad if it was left unattended.

How to Calculate Travel Insurance Premiums 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 estimates 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 travel to a high-risk country, your chances of facing adversities are higher.
  • Trip Duration - The longer your trip duration, the higher your travel insurance premium will be.
  • Number of Travellers - The premium of a policy covering one person will be lower than that 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

Foreign travel insurance can be convenient if you face an emergency during your trip. Use the tips 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 responsible and charged a lower premium.
  • Customise Your Policy - Try to customise your requirements so that you only have to pay for the necessary coverage.
  • Multi-Travel insurance for Frequent Flyers - Buying multi-trip insurance with a year-long validity is more affordable if you travel multiple times a year.
  • Opt for Family/ Group Travel Insurance Plans - Suppose you are travelling with your family or in a group. In that case, you must opt for a family 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 know the procedure to file a timely travel insurance claim. Follow the steps 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 documents you need to submit to support 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 medical insurance policy.

How to Extend a Travel Insurance Policy?

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

  • 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; 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, the insurer must be informed as soon as possible. Similarly, additional travel insurance premium payments should be made according to your travel plan changes.

However, if your insurer doesn't include this benefit, 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.

Travel Insurance & COVID-19 Coverage

Due to the pandemic, COVID-19 travel insurance (also called COVID travel insurance) has become very popular as it provides COVID-19 coverage and other travel insurance benefits. You can buy travel insurance online with COVID-19 coverage 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.

  • Decoding Travel Insurance Terms

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

    • 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, 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 likelier to have a single-trip insurance plan. This 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 plan designed for families. This can usually be 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; exceeding them will require you to pay the difference. For example, hospital room rent, ambulance charges, etc., have a fixed limit, exceeding which you must pay an additional amount.
    • Deductible - In some cases, you must pay some of the initial expenses in case of an insured emergency. This will be paid out of your pocket and will not be reimbursed. This amount is known as the deductible for that cover. Your insurer will reimburse the remaining expenses.
    • Cashless Settlement - The insurer directly settles your medical/hospitalisation expenses when you visit their network hospital.
    • Common Carrier - Any organisation, such as a commercial airline, deals with people and cargo travel 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 an 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 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, medical facility, or for the mentioned minimum duration to receive medical care. The time 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 travel arrangements 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 - This 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 - 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 for 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 has experienced symptoms of. If the insured has received medical treatment for the condition, they should inform the insurance company.
    • Room Rent - In the case of hospitalisation, the daily cost an individual must pay to occupy their hospital bed. The hospital or medical facility charges fix this room rent.
    • Serious Injury/Sickness - A situation when an injury or sickness threatens the insured. It must be declared by a qualified physician stating that it is harmful to the insured’s life.
    • Subrogation - This happens when the insurer takes legal measures against a third party on behalf of the insured in cases where the third party has caused loss or injury to the insured person.
    • Travelling Companion - Usually, two other people and the policyholder for the journey have booked travel tickets.

Travel Insurance - FAQs

  • Q. Why Do I Need Travel Insurance?

    Ans: While travelling brings joy to most, it also has its share of mishaps. International travel insurance plans protect you from many financial burdens due to medical or travel-related emergencies issue.
  • Q. Can You Buy Travel Insurance Online After Starting Your Trip?

    Ans: No, you can’t. Especially if you’re travelling abroad, you must 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.
  • 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 insurance 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 returning to India or policy expiry, whichever is earlier. However, you should notify your insurer and file your claim immediately.
  • Q. What will happen if I forget to carry my travel policy along?

    Ans: Usually, you can get travel insurance 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 document through your customer ID and policy number. Just make sure to keep a soft copy with you at all times!
  • Q. Can the insurer withdraw a travel insurance India at any point? 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 can continue with their ongoing policy until its expiry date.
  • Q. Why should you buy international travel insurance online?

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

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

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

    Ans: This will depend on the kind of overseas medical insurance policy you use, as the cost will vary from country to country. Factors like age, trip duration and underlying health condition will determine the final premium. For a better idea, use a travel insurance premium calculator.
  • Q. What would be the best travel insurance (international) for me?

    Ans: The best travel insurance policy depends on your budget and requirements. Depending on budget, duration and needs, there are custom plans for students, families, senior citizens, etc.
  • Q. Can I buy travel insurance online after leaving the country?

    Ans: No, a travel insurance is bought before you leave India for your trip. Without knowing your trip duration, prior health conditions and the country you plan to visit, a travel insurance policy can't be issued. For this, you must buy travel insurance online as soon as you have booked your tickets or hotels.
  • Q. Will my Travel Insurance Policy Cover any Pre-Existing Diseases?

    Ans: Yes, many travel medical insurance cover PED or pre-existing diseases.
  • Q. Can I take travel insurance after booking?

    Ans: Definitely, in fact, its suggested to buy travel insurance in India once your bookings are complete. This will help you get coverage for flight cancellations or bounced bookings later.
  • Q. Will I get a refund if I cancel my travel insurance policy?

    Ans: If your plan is cancelled or you haven't started your journey abroad, you can apply for a cancellation and get a refund. However, this is possible only for certain scenarios like visa denial, during free look period, or trip cancellation. Most travel insurance companies refund on a pro-rata basis.
  • Q. Is a medical checkup needed before I buy travel insurance policy?

    Ans: No. Pre-policy medical check-ups are not needed for overseas travel insurance from India. However, it may be required if you have a PED or in the case of very old travellers.
  • Q. Is there a timeframe to file a claim under my travel insurance?

    Ans: Yes, most travel health insurance policies only process claims that have been filed within 28-31 days of returning to India. The time frame will vary from policy to policy.
  • Q. Is it necessary to get prior approval from the insurance provider before proceeding with medical treatment should the necessity arise?

    Ans: No, in case of emergencies, there is no need to get a prior approval unless you wish to opt for cashless hospitalisation. If you need clarification on the coverage, you can confirm and proceed accordingly.
  • Q. Is travel insurance mandatory for everyone?

    Ans: No, overseas insurance for trips is not mandatory for everyone unless a country states so. For example, Schengen countries have made it mandatory for everyone from certain countries to have a travel and health insurance.
  • Q. Where can I get the list of network hospitals for my travel insurance?

    Ans: You can head to your insurer's website to get a list of international hospital networks. All insurers provide contact details across various countries. You can also call Policybazaar if you need help locating nearby network hospitals.
  • Q. How do I choose a travel insurance policy?

    Ans: You should compare travel insurance plans to find the best international travel insurance India. Consider the coverage, cost and exclusions to know what you're getting.
  • Q. Do I need to be in India to get an international travel policy issued?

    Ans: Yes. You can't buy a policy if you have already left India.
  • Q. Will my travel insurance policy cover for any missed flights?

    Ans: Yes, under specific reasons you will be covered for missed flights.
  • Q. Will my travel policy cover me if I cancel my flight?

    Ans: Flight cancellation benefit is offered under many flight travel insurance plans. Given the conditions of your trip insurance plan, you can get reimbursement for flight cancellation.
  • Q. What do I do if I fall sick when I am overseas?

    Ans: You should immediately get medical assistance. You can contact the TPA services directly or call the insurer's toll-free helpline. They will help you process your request and even provide an international hospital list of network hospitals.
  • Q. What if I lose all original documents while travelling abroad?

    Ans: You should report to the local police immediately and inform the insurer as soon as possible. Insurance for travel abroad can also pay for reimbursement for some documents like international driving license, passport etc. in case of theft or loss.
  • Q. Can I file a trip insurance claim once I return to India?

    Ans: Yes, you can. However, most international trip insurance have a time limit of 28-31 days to do so.
  • Q. When is the best time to purchase a travel insurance policy?

    Ans: As soon as you're done with flight ticket and hotel bookings.
  • Q. What is a covered reason for trip cancellation?

    Ans: There are several reasons under which trip cancellation coverage can be availed of. Hospitalisation or death of an immediate family member is one of these.
  • Q. What credit cards offer free travel insurance?

    Ans: Many credit cards in India come with some travel insurance coverage. These credit card travel insurance cover issues like emergency hospitalisation, air accidents, etc. A few also cover the loss of travel documents.
  • Q. If I take a travel policy for 2 months, can I extend it later, as per my requirement?

    Ans: Yes, as long as you clearly inform your travel insurance company within the necessary timeline. It can't be done at the last moment.
  • Q. Should I buy travel insurance for short trips as well?

    Ans: Definitely! There are 1-day travel insurance plans for a reason. Long or short, a mishap only needs minutes at times.
  • Q. I suffer from Hypertension / Diabetes. Can I buy a travel policy?

    Ans: Yes, you can buy travel insurance with pre-existing disease coverage. The premium may be higher, but it is available in India.
  • Q. Is travel insurance from India useful for frequent travellers?

    Ans: Absolutely. Frequent Indian travellers must be aware of risks like infections, baggage delays missed connecting flights and many issues that can add to their already high travel costs. They can get an annual plan and save time, money and inconvenience at a one-time expense.
  • Q. What are some tips for purchasing the cheapest travel insurance online?

    Ans: International travel insurance comparison is the most important tip. You can also look for affordable plans by opting for base plans instead of expensive variants.
  • Q. Is EUR 30,000 coverage mandatory for travelling to Schengen countries?

    Ans: Yes, this is the minimum coverage amount required for Schengen travel insurance plans for Indians.
  • Q. I want my parent(s) to visit me. Can I be their proposer and purchase their policy?

    Ans: Yes, you can buy a travel insurance policy for your parents.
  • Q. I am going for a short-term course of 6 months. Can I buy a student travel policy?

    Ans: Yes, any Indian going abroad for studies can get a student travel insurance policy to remain safe from financial trouble during their time abroad.
  • Q. If a student travel policy is issued for 2 years, is the sum insured applicable yearly or overall?

    Ans: Both options are available. Many insurers issue a 2-year-long policy or for the duration you have specified. Many student travel insurance plans are also available for a year, after which they must be renewed or re-purchased.
  • Q. Can I buy insurance if I am going on a work permit abroad?

    Ans: You can and you should. Work easily means a year or more. This is a long enough time to fall sick due to climate change, seasonal health issues or accidents while getting used to a new place. Plenty of plans are available for Indians going abroad for work and business.
  • Q. Will the trip insurance cover the expenses towards the new passport loss incurred in India?

    Ans: No. Travel insurance will only cover issues faced while on your trip. In case you lose it outside, it will only be covered if your trip insurance has this benefit.
  • Q. Would I be reimbursed for the medical expenses incurred abroad if I go specifically to seek medical treatment?

    Ans: No, you can't get coverage for medical care or treatment unless it is an emergency or you are in a critical stage. If you have an undeclared PED, your insurer will not reimburse you.
  • Q. When is FIR required for a travel insurance claim?

    Ans: FIR is required in case of baggage theft, mugging, and accidents.
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
4.8 / 5 (Based on 832 Reviews)
(Showing Newest 10 reviews)
Kolkata, September 06, 2023
Multi lingual assistance available
Traveling to non English speaking countries can be scary, but my travel insurance offered multi lingual support. Ensuring clear communication and assistance in any situation abroad.
Vellore, September 05, 2023
Best for senior citizens
As a senior traveler, finding comprehensive insurance was imp. This plan offered excellent medical coverage and other benefits tailored to suit the requirements of older adventurers.
Chennai, September 04, 2023
Coverage for pre existing conditions
My travel insurance plan accommodated my pre existing medical condition, offering coverage for emergencies related to it. It is a relief to find a plan that caters to specific health needs.
Pushkar, September 03, 2023
Good for emergencies
Unfortunately my baggage was damaged during my journey. But my travel insurance made the claims process straightforward and reimbursed me quickly. Great support during a stressful situation.
Bikaner, September 02, 2023
Excellent COVID coverage
Traveling even after the pandemic made me anxious, but I found a travel insurance plan covering COVID. Including medical expenses and trip cancellations. Highly recommended.
Jalandhar, September 01, 2023
Superb customer support
I had some questions about coverage while planning my trip to South America. The support team at policybazaar was quick to respond and provided all the information I needed. Exceptional service.
Puducherry, August 31, 2023
Great for last minute travelers
I booked a spontaneous trip to Europe and needed insurance ASAP. Policybazaar offered instant online purchase and coverage, giving me peace of mind for my impromptu journey.
Pune, August 30, 2023
Perfect for frequent travelers
As someone who travels frequently abroad, I found the perfect travel insurance on policybazaar. It offers annual coverage, saving me time and money. It is a great choice for anyone who goes on multiple trips in a year.
Nagpur, August 29, 2023
Affordable and reliable
I purchased international travel insurance for my trip to Thailand, and it provided excellent coverage at a budget friendly price. Definitely worth considering for your next adventure abroad.
Shivpuri, August 28, 2023
Comprehensive and flexible
This insurance offered excellent coverage for my trip to the Middle East. I had to extend my stay due to unexpected reasons, and the insurance was accommodating in extending my coverage as well.
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