Travel Insurance

Travel insurance protects you from any unexpected financial losses while travelling, internationally or domestically. Basic travel insurance plans cover medical expenses, however, comprehensive travel insurance policies also offer coverage for flight delays, lost passports, trip cancellations, personal liability, etc.

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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

Plans include global Covid-19 coverage

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Now covers COVID-19

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

* Price shown is for a 7 day trip to USA with one lakh dollar sum insured for an adult of 25 years of age

Top Plans

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

What is Travel Insurance?

A travel insurance policy is a type of insurance that offers financial compensation to the policyholder in case anything goes wrong on the trip. A travel insurance plan covers vacations, business trips, and even educational trips. Benefits include compensation for the theft of your money or passport, medical evaluation, delay in checked-in baggage, missed connections, etc.

In case of urgent emergencies, the policy also helps with medical evacuation and repatriation, financial emergency assistance, and so on. There is also a travel insurance policy with COVID-19 coverage that requires minimal paperwork.

Right from your first flight to the stay and the return journey, you can ensure a safe and hassle-free trip with travel insurance plans.

why buy travel insurance why buy travel insurance

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 insurance companies in India
Duration of Insurance
  • Single Trip: 1 day to Several Weeks
  • Multi-Trip: Up to 1 year by most insurers
Medical Benefits
  • Medical Expenses
  • Accidental Death and Disability
  • Dental Cover
  • Evacuation and Repatriation
Special Add-ons
  • Adventure Sports Cover
  • Cover for Mental/Nervous Disorders
  • Cover for Pre-existing Diseases
  • Home Burglary Insurance
  • Cancer and Mammography
Covers Family If purchased a Family Floater
Claim Procedure Can claim both online and offline
24x7 Worldwide Assistance Emergency Helpline, Mobile Applications, EAM, etc. provided by insurers
COVID-19 Cover Provided by most travel insurance companies in India
Time Required To Buy Instant if bought online
Claim Settlement Period Varies with insurer

*Final quote varies with country, duration of the trip, and other factors

Why should you buy Travel Insurance Online?

In this digital era, buying a travel insurance policy online comes with several benefits. Take a look at some of the reasons why you should buy travel insurance online:

Cashless treatment facility

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

Fulfills 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 buying travel insurance online, you can easily compare different plans offered by different insurers in one place in 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 plan within your budget on your own after you compare travel insurance online.

Minimal Documentation

While purchasing a travel policy online, you do not need to fill several forms and submit multiple documents. All you need to do is fill up your details on the online form to buy the policy.

Contactless Buying

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

Instant Policy Purchase

The process of buying travel insurance online is faster as the policy is issued almost instantly. You also don't need to visit the insurer's office to buy your policy. With so many alternatives available in the market, you can compare key features of different policies and buy them within a few minutes!

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Features of Travel Insurance Plan

When you go on a holiday, make sure you have the best travel insurance plan which provides the following features:

  • COVID-19 Covers

    Many insurers have been providing this benefit because of the havoc COVID-19 brought upon everyone's travels. With so many safety restrictions and guidelines affecting our travel insurance plans, most insurers will help you with any of the following emergencies:

    • Trip Cancellation: You will be compensated by the policy if you, a traveler, or your immediate family member is diagnosed with the disease. In such a case, all your non-refundable and unused amounts like hotel booking, and ticket costs will be taken care of.
    • Automatic Extension: In case of a lockdown in your destination country, your travel insurance plan will be automatically extended up to the mentioned period.
    • Accident and Sickness Medical Expenses: If you or anyone traveling with you is diagnosed with COVID-19 abroad, then your travel insurance plan will provide cover against any medical expenses required for the treatment.
  • Baggage Covers

    With airlines misplacing baggage so often, it's only right that there is a safeguard you can turn to. Your travel insurance policy helps you in the following ways:

    • Covers Lost Baggage: We already know or heard of someone losing their baggage while traveling. Flights may misplace your luggage or worse it may be stolen. Luckily, with a travel 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, the policy will pay for the cost of any necessary items that need to be purchased until you get your bag back.
  • Medical Covers

    What is worse than falling sick while traveling? Especially during a holiday when you have got a budget to stick to. Here is how travel insurance will assist you in case of medical expenses:

    • Medical Emergencies: If you need medical assistance due to an accident or sudden illness, your travel insurance policy will deal with any financial requirements.
    • Medical Evacuation or Repatriation: If you're hospitalized abroad and need to be evacuated back to India, or if you are unfortunately in a fatal accident, the policy will take care of the costs required in repatriating your remains back to India.
    • Study Interruption: This one is especially for students abroad. If they can't complete their studies because of listed reasons, their unused tuition fee will be reimbursed.
    • Compassionate Visit: If you're hospitalized abroad and need someone from your family to come to help you, your travel insurance plan will provide a two-way ticket for them.
  • Journey Covers

    The travel insurance policy will assist you with any emergencies that you may face while traveling. Some of these are briefly discussed below:

    • 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 policy will be extended for a fixed period.
    • Flight Delays: If your flight is delayed by more than 12 days due to certain reasons, the travel insurance policy will compensate for any additional costs that you had to furbish caused by this situation.
  • Add-On Covers/Optional Covers

    Nowadays, you can easily personalize your travel insurance plans by selecting from a range of ‘extra benefits’ that are called option or add-on covers. These are to be purchased at some extra premium but go a long way to protect you from specific risks that are otherwise not offered by the usual plans:

    • 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.
    • Emergency Cash Advance: If you, unfortunately, lose your baggage or are a victim of theft, this optional cover will provide some relief through emergency cash meant for your immediate necessary expenses while you're there.
    • Home Burglary/Fire Insurance: This add-on will protect your house from any loss caused by 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 provide reimbursement for your additional accommodation expenses.
    • Maternity and Baby Cover: Most travel insurance policies don't provide any benefits to pregnant women traveling. This add-on is curated for traveling mothers-to-be so that they are protected since day one of their journeys.
    • Escort for Minor Child Cover: This add-on will provide coverage for expenses if you carry a minor or a baby along with your flight.
  • Travel Insurance Portability

    This is a comparatively new feature that is now being offered by several travel insurance companies in India. This feature lets you switch to another insurance provider without losing any of the previous benefits that your existing travel insurance policy offered. The process requires certain steps:

    • Inform your insurer about the portability requirements
    • You must inform them in advance, which can be a month or as per the period specified

    However, please note that the premium may vary as per the new insurer's discretion. There are a variety of travel insurance plans available with different benefits and features. Don’t forget to compare the best travel insurance plans online before buying one.

Types of Travel Insurance Plans in India

Different types of travel plans have been designed to cater to the needs of people of all ages be they a child, adults, students, or senior citizens. Let us take you through the different types of travel insurance plans available in India:

Types of Travel Insurance Plans

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Other Types of Travel Insurance Plans:

  • Baggage Insurance

    Baggage Insurance comes into the picture when you lose your baggage during your journey due to theft or any other mishap. The losses incurred due to such mishaps might put you in some really big trouble and ruin your trip. To get compensated for the damage or loss to your luggage while traveling, you can always rely on baggage insurance.

  • Flight Insurance

    It is a custom-made travel insurance plan that covers an insured traveler from any unforeseen flight-related emergencies faced while traveling. It protects him from any adversity caused during the flight or due to the fault of the airline or their staff. It provides comprehensive coverage of both health insurance and baggage insurance, which includes flight delay, medical cover, accidental death & dismemberment cover, delay or loss of check-in baggage, flight cancellation, flight hijack, and missed connection flight.

Best Travel Insurance Plans in India by Top Insurance Companies

Take a look at some of the best travel insurance plans 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 hospitalization
  • 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 hospitalization
  • 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 license

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 hospitalization
  • 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
  • Cash advance

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
See More Plans

When, Where, and How to Choose Travel Insurance Policy?

Before you buy travel insurance plan, make sure you give it a lot of thought and weigh your options:

  • Travel Frequency

    If you are a frequent traveler, you are better off with a multi-trip travel insurance plan that will be cheaper and save you the hassle of buying it again. Otherwise, you should go for a single-trip 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 a Schengen territory; these things will narrow down your requirements which will also cost you differently. Also, many countries need an international travel insurance plan to issue a visa so your sum insured and other requirements will vary significantly along with the premium.

  • Trip Duration

    Your travel insurance policy will be calculated and issued according to the length of your stay. In most cases, people opt for a 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 traveling alone, or make it into a family floater travel insurance if your loved ones are going too. The insurer should be informed about the total number of travelers accordingly.

  • Claim Procedure

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

Hence, don’t forget to compare different plans to buy the best travel insurance plan online at Policybazaar.com for your next trip!

How to Buy Best Travel Insurance

In the case of adversity during your trip, your travel insurance company will help you out. Thus, you must opt for a travel insurance policy that provides you with maximum coverage against the risks that you may encounter while traveling.

If you are wondering about how to buy best travel insurance then it is better if you buy the insurance policy online as it is a faster, more convenient, and hassle-free process. You can do this on Policybazaar.com where you can compare several plans and filter them according to your requirements.

FAQs in Related to COVID-19 for Travel Insurance

Q1. Under which travel insurance can I raise a claim due to COVID-19?

Ans: If you get diagnosed with COVID-19 during your foreign trip, you can raise a claim under your international travel insurance policy:

Q2. Can I raise a travel insurance claim if I get hospitalized due to COVID-19 during my foreign trip?

Ans: Yes. You can raise a travel insurance claim for hospitalization expenses if you get admitted to a hospital during your international trip due to COVID-19. Moreover, your travel insurance policy will also cover the outpatient treatment expenses resulting from COVID-19 in your destination country.

Q3. If my foreign trip is cancelled/rescheduled due to COVID-19 hospitalization, will travel insurance cover the losses?

Ans: Yes. If your overseas trip is cancelled or rescheduled due to the COVID-19 related hospitalization of yourself or one of your immediate family members, then your travel insurance policy will pay for the resultant losses.

Q4. If the family member travelling with me gets diagnosed with COVID-19 during the trip, will my travel insurance policy cover the treatment expenses abroad?

Ans: Yes. Your travel insurance policy will pay for the treatment expenses of your family member if he/she is diagnosed with COVID-19 during the overseas trip, provided the family member is insured under your policy.

Q5. Will travel insurance cover the expenses if my overseas trip gets delayed due to COVID-19?

Ans: Yes. Your travel insurance policy will reimburse the expenses incurred on food and lodging in case your scheduled flight abroad is delayed or rescheduled due to COVID-19.

Q6. Can I raise a claim under both health insurance and travel insurance policies if I get diagnosed with COVID-19 during my foreign trip?

Ans: No. You can only raise a hospitalization or outpatient treatment claim under your international travel insurance policy if you get diagnosed with COVID-19 during your overseas trip. But if you are travelling within India, you can claim your medical expenses under your health insurance policy.

What Makes Comparison of Travel Insurance Important?

With so many travel insurance plans available in India, it is easy to get confused about the one you want to opt for. In such cases, comparison becomes the best way to assess multiple plans and see which travel insurance policy is offering the best benefits.

It is important to remember that travel insurance plans vary with your requirements and what may work for someone may not be enough for you. In some cases, opting for a specific plan may be useless and even exceed your budget.

This is where comparison becomes crucial - your trip insurance plan should cover what you need and not exceed your budget. For example, your 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 plan not suited to your needs.

Benefits of Comparing 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.
  • Offers Discounts: Many travel insurance companies in India offer discounts if you buy their plans online.
  • Helps Understand Inclusions Better: By comparing different plans online, you can decide the exact sum insured and other necessary benefits that different plans are offering.
  • Helps in Making an Informed Choice: Buying insurance after comparing them online is not only cost-effective but also wise. After checking multiple plans, you can easily tell which plan offers maximum coverage within your budget.
  • Time-Saving: Comparing plans online lets you buy plans 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 an 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 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 policy.

Excluded Medical Conditions

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

the policy.

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What’s Not Covered by Travel Insurance Plans

It is important to keep in mind the exclusions of your travel insurance plan. Most travel insurance companies in India don’t cover claims arising out of the following reasons:

  • Medical Exclusions

    • If you are travelling outstation or abroad against the medical advice of the doctor, then any medical treatment expenses incurred while travelling 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 treatment 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 plans unless an add-on cover has been purchased.
  • Baggage Exclusions

    • Your international travel insurance plan 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 or other personal belongings to the relevant authorities may result in 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 do not 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 travel 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.

Eligibility Criteria for Travel Insurance Policy in India

Any Indian citizen can buy trip insurance, irrespective of the type of travel policy being purchased. Additional eligibility requirements for different types of trip insurance plans 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 purchasing any travel insurance policy.

How to Calculate Travel Insurance Premium Online?

Every traveler should opt for a policy that provides maximum coverage for the least possible premium. To find out the premium payable for a particular travel insurance plan by a provider, you would have to 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 traveler, the more will be the premium.
  • Destination - If you are traveling 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 Travelers - 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 encounter an emergency during your trip. You can use the tips given below to lower your travel insurance premium:

  • Buy Early - Buying a travel insurance policy well in advance can help lower your premium. If you buy the policy early, you are considered a responsible person and are charged a lower premium.
  • Customize Your Policy - Try to customize your travel policy 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 a multi-travel insurance policy with a year-long validity than to buy an individual policy for each trip.
  • Opt for Family/ Group Travel Plans - If you are traveling with your family or in a group, you must opt for family travel insurance or group travel insurance 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 traveler. You should also be aware of the procedure to file a timely 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 the various 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 Renew a Travel Insurance Policy?

Travel insurance plans in India can be renewed either online or offline, depending on your preference. Let’s have a glance at both here!

  • Offline

    If you are one of those people who don’t want to go ahead with the online method or are not gadget-friendly, offline renewal can be the best bet for you:

    1. Approach the Insurance Company: Once the renewal date approaches, get in touch with your insurer. They will guide you through the travel insurance renewal process.

    2. Review the Existing Cover: This is the best time to review your coverage. If you want to add something, you can do it now.

    3. Fill the Application: Once you have decided the additions you want to make, if any, fill out an application form and submit it along with the physical copies of the documents required. Documents list may vary from provider to provider.

    4. Review and Pay: After carefully reviewing terms and conditions, pay the premium required. Remember to address the cheque in the name of the insurer, not the broker or agent.

    The insurer will deliver the policy document to your mailing address within a stipulated period.

  • Online

    For those who want to renew their policy online, most travel insurance plans in India require the following steps:

    1. Open the Desired Website: You can visit Policybazaar.com or the insurer’s website to do this. Go through the available insurance policies once and add the additional covers if any.

    2. Pay the Premium: After finalizing pay through options such as net banking, credit or debit card, etc.

    3. Get the Policy Soft Copy: On successful payment of your premium, the insurance provider will send the soft copy of the policy to your registered email id. You can download it from there and keep it for future use.

    In case you are planning to switch the insurer or the policy, you are advised to shop around, compare travel insurance policies by different insurers before buying.

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. It 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 reimbursed by your insurer. You will be compensated for all your costs as per the limits of your travel insurance policy.

  • Single-Trip Plans

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

  • Multi-Trip Plans

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

  • Family Floater Plans

    As the name says, family floaters travel insurance are plans designed for families. They offer many benefits that extend to every member of the family as per the policy terms. 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 policy. 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 event. 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 borne or reimbursed by your travel insurer.

  • Cashless Settlement

    In many scenarios, while travelling, your insurer will directly pay for you in case you incur a loss or damage. This is referred to as cashless settlement through which many travel insurance companies in India settle claims abroad. This is most common during medical emergencies.

  • Common Carrier

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

  • Condition Precedent

    A pre-determined 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

    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, 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, made for the insured’s scheduled trip. These are planned by a travel agent or other tour operating organisation for which the insurance plan has been bought.

  • Medical Expenses

    Includes 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 for 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

  • Q1. Why Do I Need Travel Insurance?

    Ans: While travelling brings joy to most, it also has its share of mishaps. You can face difficulties because of baggage or passport loss, an unexpected accident or a medical emergency while you're travelling abroad. For business or leisure, international travel insurance plans protect your trip from any such perils with extensive coverage. Be it a trip cancellation or a necessary compassionate visit from your loved one, you will not be left stranded in any kind of emergency.
  • Q2. Can You Buy Insurance After Starting Your Trip?

    Ans: No. You cannot buy an insurance policy for your journey after you depart from India. Most insurers do not allow travelers to buy insurance even on the day of their journey. Whether you are traveling for a day or a year, you must buy a policy for your journey until the day before your departure.
  • Q3. Does a Travel Insurance Policy Cover Pre-Existing Diseases?

    Ans: Most travel insurance plans in India do not cover pre-existing diseases or conditions such as diabetes. Therefore, if you incur any expenses on the treatment of pre-existing diseases during the journey, it will not be covered, unlike health insurance that covers them after the waiting period.
  • Q4. Are business travelers eligible to purchase a travel insurance policy?

    Ans: Yes. All business travelers can purchase insurance policies to protect themselves against any unforeseen emergencies while traveling. They can also opt for a corporate insurance plan, which is tailor-made for people traveling for business purposes. Moreover, if their nature of work requires them to move frequently then they can buy multi-trip insurance. It provides coverage for a single journey to all the traveling done in a year at a more economical premium amount.
  • Q5. I am an OCI Card holder (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.
  • Q6. Can I purchase a policy for someone unrelated to me?

    Ans: No. You cannot buy travel insurance policy on behalf of someone unrelated to you. You can only purchase it for yourself and your family members including parents, spouse, children, etc.
  • Q7. Can I file a trip insurance claim once I return to India?

    Ans: Technically, you can file a claim under your travel 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 file your claim as soon as an unforeseen event or emergency occurs abroad.
  • Q8. What is the proof of my purchased insurance? What if I lose all the original documents?

    Ans: After buying a policy, you will receive the soft copy of the travel insurance policy document on your email in PDF format which is legally recognized as the proof of your insurance purchase. It contains all its details including the insured’s name, policy number, numbers for claim intimation, etc. If unfortunately, you lose your original documents, you will not be able to raise a claim with your insurer. This is because insurance claims are granted based on the documents submitted as proof by the insured. No document submission will result in no claim approval
  • Q9. What will happen if I forget to carry my travel policy along?

    Ans: It is advisable to carry a soft copy of your policy document while traveling as it will come to your rescue if you forget to carry your policy papers with you.
    In case you don’t have either a hard copy or a soft copy of your policy document, you can visit the official website of your insurer and log in to obtain a copy of it. You would need your customer id and policy number to log in and thus, you should know this in every circumstance.
  • Q10. Will the policy be withdrawn by the insurer at any point of time? If so, what are the options available?

    Ans: Yes. An insurance company can withdraw a policy if it gets approval from the IRDAI or the Insurance Regulatory and Development Authority of India. The traveler will receive a notice from his insurer informing him about the withdrawal at least 3 months before the expiry of the policy.
    In case of withdrawal, the insured traveler will be able to continue with his ongoing policy until the scheduled date of its expiry. However, he will not be able to renew it as it will cease to exist.
  • Q:11 How can I get travel insurance?

    Ans: You can easily get your trip insurance plan by comparing different trip insurance plans online offered by various travel insurance companies in India.
  • Q:12 Why should you buy travel insurance online?

    Ans: Yes.Buying travel insurance online saves a lot of time and many other things. Thanks to easy online comparison, you can find overseas travel insurance conveniently. Moreover, since there are no agents involved you can take your time understanding and comparing the available plans without paying extra commissions.
  • Q:13 Will trip insurance cover the caused by trip cancellation due to hospitalisation?

    Ans: Yes, you can file a claim for any financial loss incurred due to your cancelled trip because of hospitalisation, given that it was either you or an immediate family member.
  • Q: 14 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 insurance policy will be valid.
  • Q: 15 How much will overseas travel insurance online cost me?

    Ans: This will depend on the kind of foreign travel insurance you want to go for, as the cost will vary from country to country and depend on multiple factors like your age, trip duration and kind of coverage. For a better idea, use a travel insurance premium calculator
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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
4.9 / 5 (Based on 460 Reviews)
(Showing Newest 10 reviews)
Mukesh
Thane, July 07, 2022
Instant Policy
I had to travel urgently to the states and was in a rush with everything else. I quickly visited Policybazaar and after some research I was able to find a great travel insurance policy within minutes. After making a payment they even issued it in a few minutes.
Rohit
Mumbai, July 06, 2022
Flight Cancellation
My travel insurance policy had coverage for flight cancellation which was really cool when it got rescheduled and reimbursed us for the issue too. Will surely buy again.
Sunil
Bangalore, July 05, 2022
Good offers
My dad was travelling to Australia for a wedding and we wanted him to have a safe time there so we decided to buy travel insurance for him. Thanks to this site I was able to find a great plan for him without paying a lot for the premium.
Mohan
Surat, July 03, 2022
Must buy
You are better off with travel insurance if you are going on trip abroad, trust me. While nothing usually goes wrong, when it does you can always fall back on it. Out of 4-5 times I bought insurance, I was able to realise its importance once but it saved me thousands of dollars.
Rupesh
Lucknow, July 02, 2022
Great benefits
I always thought it was a waste of money to buy travel insurance but on myreturn journey fromSingapore when my flight was missed because of an accident, I was very grateful for buying it. Even though it was very distressing, the insurer reimbursed me for new ticket and even the extra stay I had in Singapore.
Manohar
Jaipur, July 01, 2022
Pocket friendly
I went to Istanbul with my husband and had international travel insurance. It was not as expensive as I thought especially when it came with so many benefits. My trip was very smooth and I felt very confident that nothing will go wrong.
Surbhi
Pune, June 30, 2022
Easy to check
Insurance always seem tricky to me and I didn't understand many terms properly. However when i checked Policybazaar I found many easy to understand blogs and was able to find a plan that I liked. I was also able to check the coverage with the them by contacting the customer care.
Suman
Kanpur, June 25, 2022
Solved all my doubts
Buying insurance seemed like a complicated job before I tried using Policybazaar. I simply went on their site and found a lot of plans to compare. I still felt confused and contacted their customer care. The agent was very helpful and used easy words to explain me what was offered and not offered.
Nikhil
Surat, June 24, 2022
Easy to buy
I was not sure what policy or how should I select a policy for my upcoming trip. However, a friend suggested Policybazaar and I gave it a try. The site is very user-friendly and I was able to read ebery important thing about buying travel insurance. Found a great plan at a very good price too.
Rupali
Chennai, June 23, 2022
Helped with emergency cash
On my week long trip to Paris, my wallet was stolen while I was in a market. All my cards and cash was in there. When I informed my insurer, they told me to file a report to process my claim for emergency cash. Thanks to this, I didn't have to struggle finding someone there or borrow money from my friends living in India.
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