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

Travel Insurance is a type of insurance that covers all risks while travelling. Whether it is an international trip or domestic, travelling always brings ample excitement and fun. NO doubt, travelling is an amazing experience & fun to cope up with stress & depression. While spending quality time with friends & family on a vacation, you live many key moments and collect unforgettable memories forever. But amidst the fun, you shouldn’t ignore the possibility of an unforeseen that could spoil the whole excitement.

How to Buy Best Travel Insurance

Whether you're planning to travel for a business trip, enjoying vacation either with family or close friends or studying abroad, it's highly recommended to buy a travel plan to take care of risks or losses that might occur during the trip. This Insurance is meant to protect you & your loved ones from unforeseen circumstances, even if you are not with them.

Compare & select the best online travel insurance policy is one of the major key factors. PolicyBazaar.com is a one-stop platform, which gives you an opportunity to explore & deeply analyze the various travel plans offered by general insurance companies in India. Below mentioned are few things, which you need to keep in mind while buying a travel plan:

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How to Buy Best Travel Insurance?

As you already know, an adequate travel insurance policy would cover the insured for most of the travel-related risks, ensuirng the right cover is essential. Therefore, while buying insurance cover to protect your much-anticipated trip, you should be careful enough to pick the right policy only. Most importantly, the online comparison of available plans is essential, which enable you to pick the adequate cover. In this regard, the below is our comparison table for your reference:

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Compare & Buy Best Travel Insurance Policies in India:

Travel Insurance Providers Eligibility Pre-policy Medical Test Inclusions Exclusions
SBI Travel Insurance
  • 6 Months to 70 Years
  • Not Required
  • Accidental cover up to 10% of the coverage limit
  • Personal liability cover up to 50% of the coverage limit
  • Personal liability cover up to 50% of the coverage limit
  • Loss of passport, checked baggage, cover against hijack, etc
  • Involvement in the operations of Army, Navy, Air Force
  • Claim arising out of a nuclear or civil war, war-like situation, foreign attack, invasion and so on
  • Claims arising from any of the criminal acts
  • Participation in risky sports
Religare Travel Insurance
  • Up to 70 years
  • Not Required
  • Emergency hospitalisation expense cover including IPD and OPD expenses
  • Double sum insured for accidental hospitalisation
  • Pre-existing illness cover after 48 months
  • Common Carrier Accidental Death
  • Repatriation of Mortal Remains
  • Compassionate visit
  • Covers loss of important documents such as a passport
  • Trip delay/cancellation or interruption
  • Emergency medical evacuation
  • Upgradation of air tickets to business class
  • Loss of Checked-in Baggage
  • Personal liability cover
  • No claim is accepted during 30 days waiting period, except accidental claim
  • Injuries arising out of adventurous activities
  • Maternity expenses
  • war, warlike situation, nuclear weapon, civil war etc.
  • Intentional injuries like suicide, attempt to suicide etc.
  • Claim for specific illness will be covered after 2 years of the waiting period
  • Dental treatment or surgery
  • cost of spectacles and contact lenses or hearing aids etc.
TATA AIG Travel Insurance
  • Up to 70 years  
  • Not Required
  • Accidental Death or Dismemberment
  • Delay or Loss of baggage, Personal liability, passport loss, hijack cash benefit, or trip delay or cancellation       
  • Travelling despite physician’s advice or for medical treatment
  • Pre-existing health conditions
  • Attempt to suicide, mental disorder, STD, depression
  • Claim arising from war, life-threatening sports, etc.
Bajaj Allianz Travel Insurance
  • Up to 75 years of age
  • Not Required
  • Hospitalization expenses, loss of baggage, trip delay or cancellation
  • Emergency cash in a foreign land
  • Attempt to suicide, mental disorder, drug or alcohol consumption
  • Non- allopathic tretamnet, pregnancy or childbirth, miscarriage, abortion
HDFC ERGO Travel Insurance
  • 6 Months to 70 Years
  • Not required until you're 70
  • Emergency medical expenses
  • Dental expenses (if any)
  • Emergency hospital cash
  • Personal accident coverage
  • Flight delay, loss of checked baggage, passport
  • Flight hijack cover               
  • Attempt to suicide due to mental disorder, drug or alcohol consumption
  • Treatment other than allopathy, pregnancy or childbirth, miscarriage, abortion
Bharti AXA Travel Insurance
  • 3 Months to 60 Years
  • Not Required
  • Expenses arising from emergency medical evacuation/death
  • Personal accident causing death or dismemberment
  • Loss of passport or other travelling documents
  • Flight delay/loss of checked baggage
  • Any pre-existing medical condition
  • Expenses arising out of a cosmetic surgery unless due to an accident
  • Injuries arising from fatal sports activities, viz. bungee jumping etc.
  • Loss of baggage or passport unless reported within 24 hours of its occurrence
  • Partial loss of any item within the checked baggage is not covered.
Future Generali Travel Insurance
  • 6 Months to 71 Years
  • 71 to 80 Years (Senior Citizen)
  • Not Required
  • Loss of checked baggage
  • Compensation for a duplicate passport if lost
  • Personal accident causing death or permanent dismemberment
  • Pre-existing medical conditions
  • Emergency arising out of consumption of alcohol or any other intoxicants
  • Self-inflicted acts causing bodily injuries
  • Medical emergency arising out of pregnancy, miscarriage, abortion, or during childbirth
IFFCO Tokio Travel Insurance
  • NA
  • Not required until the age of 70
  • Health care expenses are covered, including dental treatment
  • Daily hospital cash
  • Loss of passport
  • Personal accident
  • Personal liability
  • Loss of baggage
  • Flight delay
  • Any existing condition leading to claims after policy commencement
  • Claim filed by an individual who is part of Military, Air force, or Navy.
  • Claims arising from riots, terrorist activities etc.
  • Injuries caused indirectly due to radioactive, hazardous, ionizing acts etc.
Cholamandalam Travel Insurance
  • 3 Months to 80 Years
  • 61 Years to 70 Years (Senior citizens)
 
  • Not required until the age of 65
  • Medical emergency during the trip
  • Coverage for any illness or injury
  • Loss of checked baggage
  • Expenses incurred for obtaining a fresh passport
  • Coverage for hijack distress
  • Pre-existing medical conditions
  • Injuries caused indirectly due to radioactive, hazardous, ionizing acts etc.
  • Injuries arising out of fatal sports activities
Apollo Munich Travel Insurance
  • 6 Months to 70 Years
  • Not Required
  • Medical assistance
  • Loss of checked baggage
  • Hijack distress
  • Personal accident causing death or permanent dismemberment
  • Trip delay or cancellation
  • Expenses incurred for obtaining a fresh passport
  • If the Sole purpose of the journey is to avail medical treatment
  • Any claim arising in relation to a nuclear or civil war, revolution, invasion, riots, nuclear or radioactive contamination etc.
  • Medical emergency arising out of pregnancy or childbirth, miscarriage, abortion
  • Injuries arising out of fatal sports activities scuba diving, mountain climbing, parachuting etc.
 
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Types of Travel Insurance

You can choose from the different types of travel policies available in the market, depending on your travel requirements. Make sure the policy covers you for the most possible risks while on board. These are the various types of covers to be considered:

  • Domestic Travel Insurance: This policy is meant for customers who are travelling within the country. It provides coverage for medical emergencies, permanent disability and death, loss/delay of checked-in baggage, travel delay and personal liability.
  • International Travel Insurance: The policy offers financial protection against a number of contingencies for travellers during international trips. It provides comprehensive coverage for medical expenses overseas, hijack distress allowance, baggage and travel delays, and repatriations/evacuation to India on medical ground, and loss of travel documents/passport besides the usual coverage.
  • Student Travel Insurance: It is a travel policy designed for students travelling abroad on a student visa to pursue higher studies.. There is minimum paperwork involved in student plans. The coverage is comprehensive and provides for expenses incurred on medical treatment, loss of important travel document such as Passport, compassionate visit, bail bond, study interruptions and so on.
  • Medical Travel Insurance: Medical travel cover is a short-term insurance plan formulated to cover specifically the health care and medical expenses incurred while travelling abroad such as medical emergency and evacuation etc.. The exact coverage may vary from one insurer to another or depending on the requirement of the insured.
  • Group Travel Insurance: As the name suggests, it is a type of travel insurance that covers a bunch of people who are not related to each other by blood and are travelling to a distant place together. This group of people could be members of a club, who are going on an international trip to participate in an activity or something. A group travel cover comes at an affordable rate, which helps the insured to save on premiums.
  • Senior Citizen Travel Insurance: Senior citizen travel insurance policy is for people who belong to the age group of 61-70 years. It is a travel medical insurance policy aimed at senior citizens to make their travel a pleasant experience. It includes coverage for dental treatments and cashless hospitalization besides the usual benefits offered under this plan.
  • Family Travel Insurance: This plan insures the entire family of the insured individual from travel-related emergencies. This plan covers hospitalization (travel medical insurance), baggage loss, and other incidental expenses. The claim disbursement is easy with minimal paperwork involved.
  • Multi-Trip Travel Insurance: The multi-trip travel insurance plan offers extended coverage usually for a year, specially designed for frequent fliers for multiple trips so that they don't have to apply for insurance every time they travel.
  • Single Trip Travel Insurance: This type of travel insurance provides coverage for the duration of a single trip. It takes care of medical (travel health insurance) and non-medical emergencies during travel including coverage for loss of checked-in baggage.
  • Corporate Travel Insurance: Under corporate travel insurance India, employees of an organization can get coverage for both international and domestic trips.
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Key Features of Best Travel Insurance Plan You Must Know

Purchasing a travel insurance online is all about providing travellers with an ideal cover against emergencies and unforeseen situations right from the comfort of home. There are certain key features, which one should look out for while zeroing down on a plan.

  • Compensation for Flight Issues - A travel policy provides you with compensation in certain cases, including flight delay or cancellation. This usually is covered in the case of travelling abroad. You will be provided with accommodation during the waiting period.
  • Medical Emergency & Hospitalization - What if you met with an accident during your trip or a medical emergency strikes all of a sudden? It's your travel policy that bears the expenses, including hospitalization or medical treatment for bodily injuries, ambulance fee, etc.
  • Travel & Accommodation - Any emergency causing trip termination or delay is typically covered by travel insurance. In the meanwhile, expenses arising out of hotel accommodation, in-between transportation, air ambulance (if required due to a medical emergency), etc. are settled under the coverage of your travel policy.
  • Legal Liability & Expenses - Travel policies provide coverage for legal liabilities and corresponding legal expenses whatsoever, in addition to coverage in term of medical and accommodation expenses.
  • Cashless Hospitalization: As you know that travel insurance includes coverage for medical emergencies too, it is prudent as well as highly recommended for you to collect your E-Card from your insurer before travelling to a foreign country. Insurance companies have their agencies in different countries, which settle all such claims. All you need to do register yourself with the number mentioned on the E-Card of your travel insurance in order to be eligible for any such treatment in a foreign land if and when necessary. However, you can avail cashless hospitalization at a network hospital only, which means it should be inpatient hospitalization only.
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Eligibility Criteria for Buying Travel Insurance Policy

Mentioned below are the eligibility criteria for purchasing travel insurance plans.

Category Eligibility Criteria
Family Travel Insurance Plan
  • These travel policies cater to 2 adults up to 60 years of age and their 2 children up to 21 years of age. One can enjoy floater benefits with family travel policies.
Student Travel Insurance Plans
  • 16 to 40 years of age
Senior Citizen Travel Insurance Plans
  • Elderly individuals up to 85 years of age don't need to undergo any medical screening to purchase a senior citizen travel insurance
 
Schengen Travel Insurance Plans
  • Adults: up to 70 years
  • Dependent Children: From 90 days
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Reasons Why You Should Cover Your Next Trip!

Over the last decade, travel has become a significant part of our lives. Be it for business, leisure, or pursuing higher education overseas, a large number of individuals travel regularly. With this increase in frequency, the risks associated with travelling have also increased. Hence, it is crucial to be aware of everything related to your trip. All that information will come in super handy if you find yourself in unforeseen situations while you are aboard.

To know why you should buy travel insurance, take a look at the below pointers.

  • It Covers You for the Health Emergencies - While unexpected events can occur anytime and anywhere, a possibility of it being a medical emergency is more likely. Most probably, your health insurance plan will cease to exist the moment you step out of the country. At the time of buying insurance to cover your trip, make sure you opt for extensive coverage. In a foreign country like the US, the treatment of even a minor wound will cost you a bomb.
  • It is Mandatory in Some Countries - In some countries, such as the US, it is important for a traveller to have a travel insurance cover; else they won’t be able to enter the geographical boundaries of the country. Also, in some countries, healthcare costs are so expensive that it is a win-win deal for individuals when they opt for a travel insurance plan.
  • Coverage in Remote Areas - If the location you are visiting is remote; chances are that the medical facilities might be inadequate. If you meet with an accident or suddenly fall sick, you might need to be airlifted to a hospital. If you don’t have any insurance coverage, the incurred airlifting expenses would cost you an arm and a leg.
  • Dental Emergencies - Even while travelling, the risk of losing a tooth in a nasty fall is as much as when you are at home. As this cannot wait for your return home, you will have to seek immediate medical intervention. As dental expenses (and the associated pain) can be a true killjoy, these plans tend to cover such expenses. At least, your pocket wouldn’t get affected.
  • Claim Your Flight Cancellation or Rescheduled Flight Fees - When you are ready to embark on your trip to your favourite destination, cancelled/rescheduled flights can be really annoying. It drastically lowers your enthusiasm and excitement levels even before the trip begins. Technical issues, adverse weathers, strikes etc. could be a hurdle and you could miss your connecting flight because of that.
  • Flight/Delay or Cancellation: Buying a travel insurance plan provides coverage against flight delays/cancellations as well as baggage delay/loss even before your trip actually begins.
  • Travel-related Stress, what’s that? - A travel insurance plan keeps travel-related stress at bay by offering financial safety and security when you are abroad. In case you fall sick, get injured, or get stranded at your destination, the policy will provide for any emergency accommodation till the time it is safe for you to fly back home.
  • Replacement for Lost or Stolen Baggage - During a trip, the worst thing that could happen is losing your baggage or any personal items. Tourists are a soft target for local thieves, hence, stolen luggage is a common problem faced by them. While travelling abroad, if your baggage gets lost or is stolen, the replacement cost would be too much. Firstly, you would have to shell out money from your pocket for a duplicate passport and a copy of the required travel documents. Then, you would need fresh clothes and toiletries. A travel insurance plan would offer much-needed financial support in the hour of need by providing reimbursement for such expenses.
  • Coverage for the Entire Family - While you globetrot with your family, this policy will offer you adequate insurance coverage. It becomes immensely important when you travel with your family, especially the kids because they are more susceptible to injuries and illnesses. Dependent children of up to 21 years of age with no pre-existing condition can be covered in a family travel plan while travelling with their parents.
  • Personal Liability Coverage - While travelling, if you are involved in an accident that causes personal injury or damage to somebody’s property, the travel insurance plan comes to your rescue.
  • Emergency Assistance - Disasters can happen without a preamble. In the event of a natural disaster, an act of terror, or an airline strike, no one, not even the airline, will help you. Your travel insurance will come to your rescue in such troubling times. From finding an alternate mode of transport to reimbursing any non-refundable payments, your insurer will look out for you.
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What are the Inclusions of a Travel Insurance Plan?

The coverage offered by a travel insurance plan varies from one insurer to another. The sum assured and coverage depends on the various add-ons selected and opted plan. Here are the inclusions that come with various travel plans:

Plan Category Coverage
International Travel Plan
  • Trip delays
  • Missed connected flight
  • Emergency medical evacuation
  • Emergency medical charges
  • Repatriation of the mortal remains
  • Emergency dental charges
  • Hospital cash 
  • Accidental death benefit
  • Permanent total disablement benefitBaggage loss
  • Loss of personal documents
  • Delay/ loss of checked-in baggage
  • Personal liability benefit
  • Contingency travel benefit
  • Hijack distress allowance
  • Assistance in financial emergency 
  • Catastrophe and political risk and evacuation
  • Return of the minor child
  • Compassionate family visit      
Student Travel Plan
  • Accidental death benefit
  • Permanent disability benefit
  • Emergency medical charges
  • Emergency dental treatment expenses
  • Passport loss
  • Delay or loss of checked-in baggage
  • Personal liability benefit
  • Study interruption
  • Bail bond
  • Protection of sponsor
  • Compassionate family visit
  • Medical screening or tests
  • Psychological coverage
Family Travel Plan
  • Emergency medical charges
  • Medical evacuation expenses
  • Personal accident benefit
  • Hospital cash allowance
  • Delay/loss of checked-in baggage
  • Baggage loss 
  • Personal documents loss 
  • Passport loss 
  • Personal liability coverage
  • Emergency cash benefit
  • Home burglary coverage
  • Trip delays/curtailment 
  • Golfer hole-in-one coverage
  • Emergency dental treatment charges
  • Flight accident insurance
  • Emergency healthcare charges
Corporate Travel Plan
  • Emergency medical evacuation
  • Personal accident coverage
  • Hospital cash allowance
  • Delay or loss of checked-in baggage 
  • Baggage loss 
  • Personal documents loss 
  • Passport loss
  • Personal liability coverage
  • Emergency cash benefit
  • Home burglary coverage
  • Trip delays or curtailment 
  • Golfer hole-in-one coverage
  • Emergency dental treatment charges
  • Flight accident insurance
Senior Citizen Travel Plan
  • Medical evacuation coverage
  • Personal accident coverage
  • Hospital cash allowance
  • Delay or loss of checked-in baggage
  • Baggage loss 
  • Personal documents loss 
  • Passport loss
  • Personal liability coverage
  • Emergency cash benefit
  • Home burglary coverage
  • Trip delays/ curtailment
  • golfer hole-in-one
  • Emergency dental treatment charges
  • Accidental death and dismemberment insurance
Schengen Travel Plan
  • Repatriation of the mortal remains
  • Policyholder’s  immediate evacuation
  • Medical contingency caused due to illness or accident while travelling in Schengen country.
  • Whole trip interruption or cancellation
  • International funeral expenses
  • Hijack distress
  • Important possessions robbery or theft
  • Baggage loss or damage
  • Travel papers, and personal belongings loss.
  • Benefits of injury, disability (permanent or temporary) or accidental demise caused due to it.
  • In case a minor needs to be returned to her/his home country.
  • Trip delay due to bad weather
  • Missed connections
  • Delayed baggage for over 12 hours after check-in, then the necessary items including clothes, toiletries, etc. will be replaced.

What are apparently omitted/optional in most of the Schengen Travel Insurance Policies?

The following things are optional/omitted in most of the Schengen Travel Insurance Policies:

  • Pre-existing ailments including asthma, cardiac problems, diabetes, and hypertension
  • Almost all the travel insurance providers offer aforementioned covers; however, you can get tailor-made riders by paying extra premium
  • Adventurous sports with some risk including mountaineering, sea sports, and fast biking etc
  • Travelling to countries that are listed as high-risk nations due to natural calamities, war, and terrorist activities etc
  • Stern onset of pre-existing ailments even though the doctor assures that they can be under control
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What are the Exclusions of a Travel Insurance Plan?

The policy remains inactive during the below situations:

Category Exclusions
International Travel Plan
  • Expenses due to liquor, drugs, or alcohol
  • Expenses due to civil war/terrorism     
  • AIDS/Spa/Homeopathic/Ayurveda/Cosmetic treatment
  • Emergencies arising out of adventure sports
  • Travelling against medical advice or suicide
Student Travel Plan
  • Consequential loss
  • High-risk areas travelling
  • Pre-existing ailments
  • Passport loss in case it is left unattended
  • Travelling against medical advice
  • Expenses arising out of anxiety treatment, drug abuse, mental disorder, AIDS, etc.
Corporate/Senior Citizen/Family Travel Plan
  • Consequential loss
  • AIDS/Spa/Homeopathic/Ayurveda/Cosmetic treatment
  • Emergencies arising out of adventure sports
  • Pre-existing ailments
  • Expenses incurred due to liquor, drugs, or alcohol
  • Expenses incurred due to civil war or terrorism
Schengen Travel Plan
  • Pre-existing health conditions
  • Any claim arising before the policy commencement date
  • Sports activities like aqua sports, skydiving, stunts, and more
  • Injury or harm due to terrorism/civil war
  • Suicide, mental disorder

Additional Coverage

There are travel insurance policies that offer add-on benefits when you opt for additional coverage. It can be opted in case you need an extra layer of protection. These additional covers can be purchased by paying an extra premium amount to the insurance company.

Here are a couple of conditions for which optional coverage for travel insurance can be purchased.

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

It goes without saying that a travel holiday insurance policy is a must when travelling. Travel policy offers protection from unforeseen contingencies during travel such as a medical emergency (travel health insurance), loss of passport, loss of checked-in baggage, trip cancellation etc. allowing a pleasant, worry-free travel experience. But how much does it cost? What is the premium for a travel policy for your specific trip?

Internet-based online tools known as a travel insurance premium calculator gives you a tentative idea of the cost of the travel policy. It provides an approximate figure when required particulars are keyed in helping one budget for a trip.

One has to provide destination details. It has several options under this section - whether one is travelling to Europe/Schengen country or US/Canada etc. One is also required to mention whether insurance is required for a single trip or multiple trips. Details of the number of travellers for whom insurance is required and tentative travel dates are to be given. It next asks for personal details of travellers like their gender, date of birth, annual family income, city of origin etc.

Finally, after filling in all these details, the travel insurance premium calculator displays the approximate premium amount that one will have to pay for a travel policy for the desired destination and travel dates. It also facilitates in travel insurance plan comparison and procuring the best travel policy from a host of insurance providers.

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Claims Process for Travel Insurance

It is important to get a comprehensive travel cover before commencing a trip. One should opt for a plan that offers sufficient coverage to protect your trip.  This will prevent disappointment later when filing for a travel insurance claim.

Always carry the main policy document when travelling. It is advisable to have photocopies of the document handy in case one loses the original copy. Keeping a PDF soft copy of the document is also a good idea. One can store it online, in email, on a pen drive or computer or on the mobile phone.

  • In case of an emergency during travel, one should call or email the travel insurer to understand the claims process including supporting documents required specific to one's case. The insurer's contact number - customer care number (generally a toll-free number) and email address are always clearly mentioned on the policy document. One may have to call the contact number of their international partner if travelling abroad.
  • Next step is to send supporting documents to the insurer by post, fax or email.
  • Relevant documents like a passport with immigration stamp, claim form, copy of the policy, original bills and receipts, police report (if applicable), personal identity proof should be kept handy.
  • Upon submission of the claim including all required documentation and proof, it is assessed by a surveyor appointed by the insurance company and processed accordingly.
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How to Choose the Best Travel Insurance Plan?

While planning a vacation with your family or a group of friends, you probably always think about adventure, entertainment, camping and fun and often overlook the likely eventualities like an accident, a sudden illness or a medical emergency. Below mentioned are a couple of points, which you need to consider before purchasing the best plan for you or your loved ones:

  • Company’s Credibility - Company's goodwill says a lot about the company's reliability. Trust is an important factor to be considered while selecting an insurance provider. It ensures that the insurer will fulfil its promise(s) on time.
  • Affordability - Costs has its own significance when it comes to selecting a travel insurance policy. Minimum premiums are convenient to pay, easy on your pocket, and they make travel policies affordable.
  • Hassle-free - There are so many policies available in the insurance market. What makes you finalize a plan is its convenience. Buying a travel policy should be easy and hassle-free.
  • Destination - Your destination decides the premium that you have to pay. Countries where health care is expensive, the premium for the coverage would be higher for obvious reasons.
  • Duration of the Travel - The premium is directly proportional to the duration of your journey. You have to a pay higher premium for a longer duration. Frequent flyers are recommended to go for annual multi-trip plans, as it is economical.
  • Purpose of the Travel - If your trip revolves around adventure activities, then it is preferable to opt for a special plan, as it would provide you with adequate coverage. If your trip is relaxing one and it includes sightseeing and trying out different cuisines, then basic travel insurance plan would be sufficient for you.
  • Age - Premium for a travel plan for a 25 years old person would be different from the premium for a 45 years old person. Senior citizens can select a plan(s) that provide coverage for senior citizens, which include pre-existing illness. The premium will be increased as the cover expands.
  • Sum Insured - The premium depends on the sum insured. If the sum insured is high, then the cost of the policy will also be high and vice-versa.
  • Coverage - Having add-ons or not having add-ons determines your premium. The advantage of having add-ons is that it widens the umbrella of your coverage, which is good.
  • Claim Settlement Percentage - It determines the number of claims that have been settled by the insurance company. The percentage has a lot to tell about the company's settlements. Claim settlement percentage gives an edge to the company over its competitors.
  • Solvency Ratio - The solvency ratio determines the steadiness and the fiscal goodwill of the insurance provider. It depicts the insurers' ability to generate business without becoming bankrupt.
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Compare Travel Insurance Online with Policybazaar.com

Comparing travel policies with aggregator websites like PolicyBazaar benefits in multiple ways. It provides you with a quick and reliable online platform to compare travel insurance quotes offered by leading general insurance companies in India. You can instantly view and compare the premiums with assured assistance in unforeseen situations, such as trip delay or cancellation, loss of complete or part of checked-in baggage, etc. Compare available travel insurance policies online at PolicyBazaar and enjoy the following benefits:

  • Easy travel insurance comparison
  • Make an informed choice by getting quotes for travel policies online
  • Avoid confusion and find the plan that suits your specific requirement
  • Travel plan comparison and assess to features and benefits of various plans side by side
  • Save money and time
  • Buy hassle-free and instantly
  • Guaranteed safety and peace of mind

Travel to create good memories. Stay safe, stay insured!

Latest Travel Insurance - News

  • Thailand likely to make Travel Insurance Compulsory

    If you’re planning to travel to Thailand in future, you might need to purchase a special travel insurance plan once you land in the country. According to reports, Thailand is likely to make travel insurance mandatory for visitors to the country. This would be implemented most likely later this year. All the earnings and profits from the plan will go to the Tourism Promotion Fund of Thailand that will be put to use to cover payments in the event of a claim. However, this would be implemented after getting approval from the Ministry of Tourism and Sports. You can purchase this policy at the immigration office at Thailand airports that would offer a cover up to 1 M baht (Rs. 2251674) in the event of death.
Insurer Categories covered Special Features Exceptions
Apollo Munich Travel Insurance
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Emergency cash advance
  • Loss of checked in baggage
  • Trip cancellation and curtailment
  • Coverage of personal liability
  • No specific European/Schengen plan
  • Pre-existing diseases are not covered
Bajaj Allianz Travel Insurance
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Student
  • Senior Citizen
  • Emergency cash advance
  • Loss of checked in baggage
  • Home burglary covered
  • 2-way compassionate visit
  • Coverage of bail bond
  • Pre-existing diseases are not covered
Bharti Axa Travel Insurance
  • Individual
  • Family Floater
  • Annual Multi Trip
  • 2-way compassionate visit
  • Specific Schengen plan
  • Emergency cash advance
  • Pre-existing diseases are not covered
Future Generali Travel Insurance
  • Individual
  • Annual Multi Trip
  • Emergency cash advance
  • Child escort benefit
  • Trip cancellation and curtailment
  • Coverage of personal liability
  • Pre-existing diseases are not covered
HDFC Ergo Travel Insurance
  • Individual
  • Family Floater
  • Student
  • Annual Multi Trip
  • Loss of checked in baggage
  • Flight delay benefits
  • Study interruption (Student)
  • Treatment of mental and nervous disorders (Student)
  • Pre-existing diseases are not covered
Iffco Tokio Travel Insurance
  • Individual
  • Emergency cash advance
  • Pre-existing diseases are not covered
New India Assurance Travel Insurance
  • Individual
  • Student
  • Repatriation of mortal remains
  • Pre-existing diseases are not covered
Reliance Travel Insurance
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Student
  • Senior Citizen
  • Emergency cash advance
  • Loss of checked in baggage
  • Home burglary covered
  • 2-way compassionate visit
  • Coverage of bail bond
 
Religare Travel Insurance
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Student
  • Senior Citizen
  • Emergency cash advance
  • Loss of checked in baggage
  • 2-way compassionate visit
  • Coverage of Pre-existing diseases
  • Coverage of bail bond
 
Royal Sundaram Travel Insurance
  • Individual
  • Annual Multi Trip
  • Compassionate visit
 
Star Health Travel Insurance
  • Individual
  • Flight delay and missed flight benefit
  • Pre-existing diseases are not covered
TATA AIG Travel Insurance
  • Individual
  • Family Floater
  • Annual Multi Trip
  • Student
  • Senior Citizen
  • Emergency cash advance
  • Loss of checked in baggage
  • 2-way compassionate visit
  • Home burglary coverage
  • Coverage of bail bond
 
Universal Sompo Travel Insurance
  • Individual
  • Flight delay and missed flight benefit
  • Pre-existing diseases are not covered
Q:

How much does this insurance cost?

Ans:

The cost of a travel insurance plan will vary depending on your trip requirement. The travel insurance fares will differ, depending on the factors related to your trips such as the country you are visiting, the type of trip, the duration of your trip, and the activities you will be involved in. To check out the cost of international travel policy for your current trip Click Here.

Q:

What are 5 Best Travel Insurance Policies?

Ans:

You can pick insurance from any of the below-mentioned travel insurers to secure your trip:

1. TATA AIG

2. Apollo Munich

3. Reliance

4. Bajaj Allianz

5. HDFC Ergo

*Please note that the list is not in chronological order and hence, it requires thorough research buying applying for one.

Q:

What is single and multi-trip insurance?

Ans:

Single and multi-trip insurance depends on the frequency of your trips. Single trip insurance - It stands valid for a single trip and only for a pre-defined number of days.

Multi-trip insurance - People who go on frequent personal or business trips should go for a multi-trip insurance policy. With this insurance cover, you are secured for a maximum number of trips in a year and you don’t need to inform the insurance company about every trip.

Q:

How long does the insurance cover start?

Ans:

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

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

Q:

For how many days can I extend my overseas travel insurance?

Ans:

The policy can be extended for a maximum of 180 days. In any case, the extension should not be more than 360 days. You can renew your travel insurance plan online by filling a claim form before 7-10 days of the expiry of the current plan.

Q:

Can I buy travel medical insurance for my parents who are over 70 years?

Ans:

Yes, travel insurance can be purchased for senior citizens also. There are various insurance companies that offer travel insurance for people who are aged between 71-85 years.

Q:

What are the documents required to make claim?

Ans:

For claim settlement, you need to fill the claim form and submit the following documents-

1. Bills/ Prescriptions/ vouchers/ reports/ discharge summary, containing the name of the person treated, type of ailment, details of medical treatment and date of treatment.

2. The prescription should clearly show medicines prescribed, price and the receipt stamp of the pharmacy. For dental treatment, bills/vouchers/reports must show the details of the tooth treated and treatment.

3. For reimbursement of the costs incurred on transporting the mortal remains to India or the cost of burial abroad, it is required to submit an official death certificate along with the doctor’s statement giving the reason of death.

4. For reimbursement of expenses incurred in transporting the insured person to India, a medical statement giving the cause of illness and the requirement of transportation should be submitted.

5. To claim loss of baggage, an insured has to give proof of the value of

For personal liability, proof of judicial decision given by the court of law.

6. For personal accident, bills/ vouchers/ reports/ discharge summary, death certificate, FIR, Post Mortem Report and other documents as applicable.

7. Any other document(s) that the company needs to process the claim.

Q:

How to avail cashless facility?

Ans:

When you buy a travel insurance policy, you are given with E-card by an insurance company. Please register yourself on the numbers mentioned on the E-card to avail treatment. Every insurance company has its authorized agency working abroad who settles all overseas claims. Usually, cashless benefits are available only for in-patient treatment and not for outpatient treatment.

Q:

Is student travel insurance mandatory?

Ans:

It is not mandatory in every country but yes, there are few countries, which have made it compulsory. United States, France, Germany, Italy and Spain have made it mandatory for students travelling into their country to have a proper insurance plan.

Even if it is not obligatory, one should buy this cover in order to ensure a safe and happy stay in an unfamiliar country. Travel insurance helps students during medical contingencies, reimbursement on the failure of presence during exams, etc.

Q:

Can I buy travel insurance from overseas for my parents who stay in India and are travelling to meet me abroad?

Ans:

Yes, you can buy travel insurance for your parents by using international debit/credit cards. The soft copy of the policy is a valid legal document and proof of your travel insurance cover.

Q:

Who can buy travel insurance?

Ans:

Any individual above the age of 3 years and below 80 years (may vary as per plan) can be covered by travel insurance. It is mandatory that a trip should commence from India.

Q:

Why should I buy travel insurance online from PolicyBazaar?

Ans:

As an eminent insurance aggregator, PolicyBazaar is committed to making your travel pleasant and hassle-free. We give you a viable platform to compare travel insurance plans of different companies so that you choose the one that suits you best. When you buy online, you instantly get the policy. Moreover, our experts are available at 1800-103-3999 (Toll-free) to address any query.

Q:

What is the minimum period for a domestic trip to be insured?

Ans:

Usually, travel insurance offers coverage to domestic trips as short as 1-4 days.

Q:

In what circumstances travel insurance claims will not be given?

Ans:

Here is a tabular representation of reasons when travel insurance claims might get rejected under the following broad heads:

Medical               

Personal Liability

Personal Accident

Trip inconvenience

Pre-existing diseases

Claims arising out of unlawful acts

Pre-existing diseases

No claim will be entertained for loss/delay of baggage containing perishable items

Pregnancy and related treatment

If an insured was under the influence of drugs, alcohol at the time of the incident

Pregnancy and related treatment

Delay due to custom official

Treatment, which can be delayed until the insured returns to India

Employer’s liability

An accident occurs while doing hazardous activities like parachuting, gliding, etc.

Baggage is delayed on arriving in India

Travelling against medical advice

Disputes between travel companions

Disability due to riots, stroke

A travel document is confiscated by the custom official

Treatment for illness if medical help was the sole purpose of travelling

Suicide attempt

Q:

What is a personal liability?

Ans:

Personal liability means when you unintentionally injure an unknown person in a fatal accident or you damage third party property. There are various insurance companies, which are offering personal liability coverage also. Check your policy wordings to know the extent of coverage.

Q:

Do I have to undertake any medical test to buy travel insurance?

Ans:

You must check with the insurer and agent/or broker about medical tests that are required to be submitted along with the duly filled proposal form. Check the validity period of such reports also. Normally, medical reports within three to four weeks prior to departure are accepted. However, there are some companies like HDFC Ergo, which doesn’t require medical insurance for up to 70 years.

Q:

Can foreign nationals be covered under travel insurance?

Ans:

Foreign nationals working in India with Indian employers of multinational companies and drawing salary in Indian currency can be covered.

Q:

What is trip cancellation travel insurance?

Ans:

It is a pre-departure coverage that reimburses you if due to some reasons your trip got cancelled. Some of the reasons for trip cancellation are a natural disaster, injury, traffic accidents, assaults, illness, etc.

Q:

Will claims be settled on my return to India?

Ans:

Except in case of hospitalization, the insurer will settle claims once the insured is back in India.

Q:

Is loss of passport covered?

Ans:

Yes, a passport is covered in the insured policy. Also, expenses incurred towards the procurement of a duplicate/temporary passport are also covered under the travel insurance policy.

Q:

Are ambulance charges covered under the policy?

Ans:

Under emergency medical expenses, charges incurred on ambulance services (to and from the hospital) are covered by the insurance company.

Q:

What is medical repatriation?

Ans:

Medical repatriation means arranging transportation to move an insured to his/her country of residence following a medical emergency.

Q:

What is medical evacuation?

Ans:

Medical evacuation means arranging transportation to move an insured to the nearest hospital.

Q:

What are the benefits available under the hijack distress allowance?

Ans:

If the common carrier in which an insured is travelling is hijacked, the insurance company pays compensation to his/her family for a fixed number of days.

Q:

Does travel insurance cover loss of credit card/cash?

Ans:

Travel insurance doesn’t cover loss of debit/credit card, cash, cheques and bank notes.

Q:

Can I get a refund under travel insurance if I cut short my travel?

Ans:

In case you cut short your travel, policies may or may not allow a refund and this is subject to terms and conditions. Please check your policy wordings to know whether such provision is available or not.

Q:

Is my visa status sufficient to get overseas travel insurance?

Ans:

In most cases, your visa status would be sufficient to get overseas travel insurance.

Q:

Is emergency financial assistance available under travel insurance?

Ans:

Yes, emergency financial assistance is given to insured by the insurance company through its service provider. A financial emergency is a situation when a policyholder loses all his/her cash due to theft, robbery or mugging. Under this benefit, insured is given emergency cash up to the limit mentioned in the policy.

Q:

Can I avail cashless facility for hospitalization under travel insurance?

Ans:

Yes, insurance companies offer the cashless facility for hospitalization under travel insurance.

Q:

What If I forgot to carry my travel insurance?

Ans:

It is strongly advised to carry travel insurance during trips. In case you miss out the documents then you should have important details of your policy like policy number or customer ID number to avail its benefits.

Q:

Why should I buy travel insurance?

Ans:

Travel insurance provides protection to you and your loved ones in case you get sick or suffer an injury while travelling. It covers hospital expenses, emergency evacuation bills, lost baggage, flight cancellations and a long list of other costs, which can add up to the tens of thousands. Travel insurance provides coverage to deal with unforeseen situations while in transit.

Q:

Can I cancel a policy?

Ans:

Yes, are allowed to cancel your travel insurance only if you don’t undertake the journey covered by your insurance policy. You may have to submit a copy of your passport as proof that no journey has been undertaken. Insurance companies normally refund premium subject to deductions made towards administrative costs.

Travel Insurance Reviews
TOTAL REVIEWS (30)
Meera
Nimach
August 09, 2019
Wonderful experience

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

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

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

Viraj
Agartala
August 01, 2019
Customer support are actually supporters

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

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

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

Ananta
Zotlang
July 24, 2019
Relieved and feel happy

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

Amulya
Tezpur
July 20, 2019
Quick on everything

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

Mahesh
Tuljapur
July 12, 2019
Trustworthy company

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

Prachi
Supe_baramati
July 10, 2019
Claim process was quite easy

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

Suresh
Nagaur
July 08, 2019
A sour good experience

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

Venketesh
Tirupur
July 05, 2019
Safety and security

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

Shashank
Suri
June 30, 2019
Better than other company

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

Himesh
Godavari
June 28, 2019
Affordable price

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

Karan
Cumbum
October 20, 2016
Travel with safety

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

Nishant
Ludhiana
October 05, 2016
Travel Insurance Policy

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

Pramod
Chandigarh
September 28, 2016
Secure Trip

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

Saurabh
Attur
August 26, 2016
Wonderful Policy

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

Tanmay
Gautam_buddha_nagar
August 23, 2016
Travel Safety

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

Mayank
Nirmal
July 27, 2016
Superb Insurance

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

Jitender
Bhadravathi
July 21, 2016
Allianz travel plan

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

Kruti
Jabalpur
July 01, 2016
Good

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

Divanshu
Ajmer
June 24, 2016
Travel Insurance Plan

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

Bhupesh
Bangalore
May 27, 2016
Fine

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

Tarun
Palani
May 27, 2016
Good Service

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

Nakul
Kanpur
May 27, 2016
Quality Investment

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

Karan
Malapuram
May 27, 2016
High Returns

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

Jayant
Zahirabad
May 27, 2016
Awesome Plan

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

Mankaran
Dwarka
May 27, 2016
Responsive Faculty

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

Vinay
Rohtak
May 27, 2016
Superb Plan

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

Harish
Chennai
May 27, 2016
Fantastic Plan

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

Gaurav
Nilgiris
May 27, 2016
Bad Policy

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

Devesh
Allahabad
May 27, 2016
Fantastic

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

Sumeet
Krishnagiri
May 27, 2016
Fair Policy

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

Akash
Navi_mumbai
May 27, 2016
Average

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

Rohit
Chaksu
May 27, 2016
Trustworthy

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

Tanmay
Mahabaleswar
May 27, 2016
Best Plan

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

Yajan
Ambala
May 27, 2016
Coverage Is High

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

Umakant
Roorkee
May 27, 2016
Satisfactory

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