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

5 Best Travel Insurance Policies in India

When we talk about buying the best travel insurance plan, you’ll get a long list of travel insurance plans. This creates a lot of confusion. Even if you’ll ask any expert to name the best, you’ll probably get an answer that would be non-committal.

A good travel insurance plan offers comprehensive protection including medical insurance. Moreover, you cannot visit some of the countries without insurance.

Now, it's often a difficult task to choose the best travel insurance India from the long list. To ease you from this hassle, we have come up with the top 5 travel insurance plans that you might take into account before planning your vacation.

When You Travel

The more you travel the more fearful you become. It becomes more interesting when you travel to a destination, which you have not yet explored. Moreover, if you are travelling to an international destination it leaves you enthralled with the diversified traditions and cultures, the distinctive lifestyles. As much important, it is to observe the differences it is more noteworthy to take a note of the things that unite us and allow yourself authentically to surface.

A Planned Trip

Whether you are a solo traveller or you are travelling in a group, most of the trips are planned. Besides, it is always better to plan your trip and avoid the perils as much as possible. The basic thought behind travelling is to remain stress-free, leave behind the baggage of worries at home, and enjoy every bit of your trip.

To ensure a hassle-free trip, it is always recommended to buy the best travel insurance policy and avoid you from getting into travel-related perils. No matter how planned the trip is and how prepared you are. The fact is when travelling to a new destination and that too overseas your window of risks is opened up. In spite of being helpless and getting into a state of worries and anxiety in case of unwanted emergencies, for instance, being robbed, losing passport or meeting with a serious accident, etc secure yourself and buy best travel insurance policy.

Travel Insurance at Your Rescue

Buying the best travel insurance policy is of utmost importance before you set foot to another country. Ideally, the time you decide that you are going on a trip is the right time to buy the best travel insurance policy.

It is to be noted that there is not one specific insurance company, which offers the best travel insurance policy. Rather a best travel insurance policy is the policy which provides you coverage from any unwanted financial incur in case of any unfortunate incident/mishap depending upon the prerequisites of yours.

A travel insurance policy secures you and all those who are insured from any travel-related perils, which can lead to fiscal cost and ensures that you come back creating happy memories and cherishable stories.

Buying Travel Insurance

When you intend to buy a travel insurance policy, make sure that you cover yourself from the possible perils you may encounter. Nobody knows it better than you do the purpose and nature of your trip.

Buying a travel insurance policy is no more a hectic task. You can buy the travel insurance policy both online as well as offline. Today, we have a plethora of options available in regards to companies offering travel insurance policy in India.

Moreover, there are countries wherein you are not allowed to enter the country if you do not have a travel insurance policy. It is always advisable to buy a travel insurance policy online to get best and instant quotes. Moreover, buying a travel insurance policy online gives you the benefit of comparing and analyzing the quotes offered by various travel insurance providers and accordingly you make an informed and wise choice.

In your checklist of the travel plan, buying best travel insurance has to be on top and be on your priority as well. Buying the right travel insurance policy in India ensures the safety of your hard-earned money in your bank accounts.

Therefore, it is important to shield yourself and your accompaniments when travelling overseas. Here is a quick rundown of the travel insurance companies in India you may consider while buying the best travel insurance policy.

Best Travel Insurance Plans

While a majority of the population is under the impression that best travel insurance policy only safeguards you in case of theft or loss of baggage however this is not the case. Travel insurance covers a variety of problems that may occur in the event of your travelling.

You may get confused while buying travel insurance as we have too many options when it comes to travel insurance companies in India.

Below the mentioned list of top travel insurance companies in India:

  • Religare Travel Insurance
  • Bajaj Allianz Travel Insurance
  • HDFC ERGO Travel Insurance
  • Reliance Travel Insurance
  • TATA AIG Travel Insurance

There is absolutely no doubt about the fact there are more travel insurance companies in India. On the premise of coverage offered, these plans have been featured in this list. Let us have a look.

Religare Travel Insurance

Religare travel insurance lets you have a delightful experience and explore the world without stress. The plans under this travel insurance ensure a perfect trip and provide you cover for any financial emergency. Listed below are the travel insurance plans offered by Religare travel insurance:

  • Explore Asia Travel Insurance Plan
  • Explore Africa Travel Insurance Plan
  • Explore Europe Travel Insurance Plan
  • Explore Canada+ Travel Insurance Plan (Worldwide Excluding the US)
  • Explore Gold Travel Insurance Plan (Worldwide Excluding the US and Canada)
  • Explore Platinum Travel Insurance Plan (Worldwide Excluding the US and Canada)

Plan Name

Coverage

Explore Asia Travel Insurance Plan

It provides cover for all those travellers travelling within the geographical scope of Asia. It provides cover for any pre-existing conditions under a life-threatening circumstance up to 10% of sum insured. Besides, it also provides coverage for medical and non-medical needs such as hospitalization expenses, dental expenses, compassionate visit, loss-of belongings, trip delay, and loss of passport and so on.

 

Explore Africa Travel Insurance Plan

It provides good coverage at a pocket-friendly price when planning to visit African counties. It offers cover for any incurred inpatient and outpatient expenses, pre-existing ailment, daily allowance in case of hospitalization, dental expenses, medical evacuation, etc. It also provides cover for situations like loss of passport, loss of baggage, trip cancellation, trip curtailment, and so on.

Explore Europe Travel Insurance Plan

It provides one of the best coverage when visiting any Schengen country as well as satisfying the visa insurance requirements. Besides, under any perilous situations such as flight-cancellation, loss of passport, loss of checked-in baggage, delay of checked-in baggage, any expenses incurred due to hospitalization, medical evacuation, incurred dental expenses, common carrier in accidental demise, pre-existing disease, compassionate visit, accidental hospitalization with the double sum insured and much more are covered under the plan.

Explore Canada+ Travel Insurance Plan (Worldwide Excluding the US)

It provides coverage excluding when travelling to the US. It provides cover for any medical or dental expenses, medical evacuation, compassionate visit, trip delay, personal liability cover, common carrier in accidental demise, upgrading to business class, loss of belongings and so forth.

Explore Gold Travel Insurance Plan (Worldwide Excluding the US and Canada)

It provides cover in case of expenses incurred towards hospitalization, pre-existing disease, treatment in the home country, daily allowance in hospitalisation, accidental demise or permanent disability, personal liability, trip interruption, trip cancellation, loss of passport, loss of checked-in baggage, and so on.

Explore Platinum Travel Insurance Plan (Worldwide Excluding the US and Canada)

It provides coverage in case of any non-medical emergencies such as trip-delay, trip cancellation/ curtailment, loss of passport, loss of checked-in baggage, delay of checked-in baggage, the return of the minor child, personal liability, up-grading to business class. Moreover, also offers cover for any medical emergencies such as accidental death, permanent disability, two-way compassionate visit, dental expenses, hospitalisation expenses, daily allowance for hospitalization, common carrier in accidental demise, etc.

Bajaj Allianz Travel Insurance

Bajaj Allianz travel insurance assures that no matter how far you travel, it always has your back. It offers travel insurance plans that cater to people from all walks of life. It offers the following types of insurance policies:

  • Individual Travel Insurance Plan
  • Family Travel Insurance Plan
  • Senior Citizen Travel Insurance Plan
  • Student Travel Insurance Plan
  • Corporate Travel Insurance Plan
  • Travel Asia Travel Insurance Plan
  • Bajaj Allianz Bharat Bhraman Policy
Plan Name Coverage
Individual Travel Insurance Policy It provides coverage for trip delay, medical expenses, and dental treatment expenses loss of baggage, passport loss, accidental injuries, hijacks, and personal liability.
Family Travel Insurance Policy It provides coverage for hospitalization, loss of luggage, disbursement of claims, trip curtailment, trip cancellation and burglary.
Senior Citizen Travel Insurance Policy It provides coverage for hospitalization, loss of luggage, trip curtailment and trip cancellation.
Student Travel Insurance Plan It provides coverage for accident, hospitalization, family visit expenses, incidental expenses, tuition fee, bail bonds, loss of luggage, loss of passport, and emergency dental treatment.
Corporate Travel Insurance Plan It provides coverage for medical expenses, dental treatment expenses, accidental injury, and loss of checked-in luggage, loss of passport, trip delay, personal liability, and hijack.
Travel Asian Travel Insurance Plan It offers coverage for medical evacuation, medical expenses, and repatriation, dental ain relief (emergency), loss of checked-in luggage, delay of luggage, loss of passport, personal accident, AD & D common carrier, emergency cash advance, personal liability and hijacks.
Bajaj Allianz Bharat Bhraman Travel Insurance Plan It provides coverage for personal accident, permanent total disability, child education bonus, hospital daily allowance, personal liability, emergency medical evacuation, missed connection, trip cancellation, trip curtailment, delay/loss of checked-in baggage, home burglary insurance, emergency hotel extension, bounced hotel, delay of trip by Scheduled Aircraft, repatriation of remains, compassionate visit by a family member, adventure sports.

HDFC ERGO Travel Insurance

HDFC ERGO travel insurance gives you the most comprehensive insurance solutions and making it progressively dependable. It offers the following types of insurance plans:

  • Single Trip Travel Insurance Plan
  • Multi-trip Travel Insurance Plan
  • Asia Travel Insurance Plan
  • Family Floater Travel Insurance Plan
  • Student Suraksha Travel Insurance Plan
Plan Name Coverage
Single Trip Travel Insurance Plan It provides coverage for medical expenses, hospital cash benefit, medical evacuation, accidental injuries, loss of luggage, and loss of personal documents, flight delay, and emergency dental treatment.
Multi-trip Travel Insurance Plan It provides coverage for emergency medical charges, accidental injuries, emergency medical evacuation, hospital cash benefit, repatriation of mortal remains, loss or delay of checked-in luggage, flight delay, personal liability, financial emergency assistance, hijack distress cash benefit, loss of luggage, personal documents loss, emergency dental treatment and contingency travel benefit.
Asia Travel Insurance Plan It provides coverage for emergency medical charges, emergency medical evacuation, delay/loss of checked-in luggage, flight delay, hospital cash benefit, hijack distress cash benefit, personal liability, personal accident, loss of luggage, personal documents loss, contingency travel benefit, financial emergency, repatriation of the mortal remains and emergency dental treatment expenses.
Family Floater Travel Insurance Plan It provides coverage for emergency medical charges, accidental injuries, personal liability, medical evacuation, flight delay, loss of luggage personal documents loss, hospital cash benefit, emergency dental treatment expenses, repatriation of the mortal remains total disability, contingency travel benefits, hijack distress cash benefit, financial emergency assistance, and delay/loss of checked-in luggage.
Student Suraksha Travel Insurance It provides coverage for accidental death, childcare benefits, bail bond, passport loss, personal liability, and permanent disablement, dental treatment expenses arising out of an accident, emergency medical charges, pregnancy medical expenses, psychological coverage, delay/loss of checked-in luggage, compassionate visit, and sponsor protection.

Reliance Travel Insurance

Reliance travel insurance ensures a hassle-free journey, avoiding uneasiness and covering all travel-related perils. The plans have been formulated keeping in mind the various regions, which could also be customised for everyone. The following are the policies offered by Reliance:

  • International Travel Insurance
  • Schengen Travel Insurance Plan
  • Asia Travel Insurance Plan
  • Annual Multi-trip Insurance Plan
  • Senior Citizen Travel Insurance Plan
  • Student Travel Insurance Plan

Let us explore the details.

Plan Name Coverage
International Travel Insurance This plan caters to the travellers globetrotting across various countries including Asia (Asia Travel Insurance Policy), Schengen countries (Schengen Travel Insurance Policy), USA and Canada, and other countries such as South Africa, Australia, Middle East, UK, and South America. It provides coverage for medical expenses, loss of passport, Total loss of checked-in luggage, trip cancellation and interruption, trip delay (maximum 6 days), compassionate visit, missed connections, and home burglary insurance.
Schengen Travel Insurance Plan This plan caters to the travellers globetrotting across Schengen countries like Denmark, Portugal, Germany, France, Italy, Spain, Switzerland and more. It provides coverage for medical expenses, total loss of checked-in luggage, loss of passport, compassionate visit, and delay in checked-in luggage.
Asia Travel Insurance Plan This plan is specifically designed for travellers travelling to Asian countries like China, Mauritius, Malaysia, Singapore, Dubai, and Thailand. It offers coverage for medical expenses, total loss of checked-in luggage, and loss of passport, trip delay (maximum of 6 days), financial emergency assistance, and delay in checked-in luggage.
Annual Multi-trip Insurance Plan This plan offers coverage for medical expenses, loss of passport, delay in checked-in luggage, trip delay, total loss of checked-in luggage, trip cancellation and interruption, daily allowance in the event of hospitalisation (25 per day), missed the connection, home burglary insurance, and compassionate visit.
Senior Citizen Travel Insurance Plan This plan offers coverage for loss of passport, medical expenses, total loss of checked-in luggage, delay in checked-in luggage, financial emergency assistance, hijack distress allowance (maximum 7 days), trip cancellation and interruption, trip delay (maximum 6 days), missed connection, and home burglary insurance.
Student Travel Insurance Plan This plan provides coverage for medical expenses, study interruption, 2-way compassionate visit, total loss of checked-in luggage, and loss of passport.

TATA AIG Travel Insurance

TATA AIG travel insurance covers you at every step of the journey you embark and from every possible adverse situation. It provides offers 4 types of travel plans:

  • Travel Guard Plan
  • Student Travel Guard Plan
  • Asia Travel Guard Plan
  • Domestic Travel Guard Plan
Plan Name Coverage 
Travel Guard Insurance Plan It provides coverage for sickness, accidents, loss of luggage, passport loss, flight cancellation or delay, dental treatment expenses, emergency travel, legal assistance, emergency repatriation, hijacking, and death.
Student Guard- Overseas Health Insurance Policy  It provides coverage for sickness, accidents, loss of luggage, loss of passport, flight cancellation or delay, dental treatment expenses, legal assistance, emergency travel, emergency repatriation, hijacking, death, assault, maternity benefits, special extensions, child care, mental disorders treatment, nervous disorders treatment, cancer screening, physiotherapy, study interruption, fraudulent charges, sponsor programs, bail bond and trip delay. 
Asia Travel Guard Plan  It provides coverage for a medical emergency, accident, loss of baggage, personal liability and passport loss. 
Domestic Travel Guard Plan  It provides coverage for missed departure, accident and medical reimbursement, loss of tickets, personal liability, and responsibility. 

Over to You

Remember every travel insurance provider is different from the other and so is the coverage being offered. Depending upon the needs of your travel you can customize and accordingly zero down the best travel insurance policy. You are advised to choose the best comprehensive travel insurance cover from a reputed insurance company. 

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